step by step roadmap for becoming financially responsible in 2025 💖✨ step 1: conduct an in-depth comprehensive financial analysis. you need to understand exactly how much you’re earning, how much you’re spending, your biggest spending categories, how much you’re investing and how much debt you have, if any! most banking platforms offer a summary of your spending by month & year and it breaks it down by specific categories. step 2: set financial goals. now that you know how much you’re earning, spending and investing - what needs to improve? are you spending too much eating out? Shopping? Do you have too much in cash & not enough in investments? what’s your monthly spending goal? monthly investing goal? get as specific as you can. step 3: create a financial routine. becoming financial responsible, like anything else in life is a habit! Make it a habit to track your spending every week/month - whatever works best for you! make it a habit to become more financially literate, understand how the economy works, how to lower your taxable income, etc. stay consistent, you got this! 💖 #financialliteracy #financialeducation #moneytok #financialindependence #investingforbeginners #financialgoals #personalfinance #moneytips #moneygoals #financiallyresponsible #howtoinvest #southasiantiktok #nepalitiktok