Money tips to change lives

Best piece of advice for couples: begin your marriage living on just one income.

- Erin White

Over years of guiding clients toward financial security, our team of advisors has collected invaluable advice that truly transforms lives. This article highlights the most impactful guidance we've encountered to help readers make confident, life-changing financial decisions.

Don't depend on somebody else for money: Being completely financially dependent on another person can place you in a vulnerable position. People often find themselves trapped in toxic relationships because they cannot stand on their own financially. Keep in mind that relationships can change, so be careful of becoming financially dependent on your spouse or life partner.

Start saving with your first pay cheque: Though it may seem trite, this advice remains crucial: starting to save early is key. Delaying it can make it increasingly difficult to find room in your budget later, as financial responsibilities tend to grow over time. Build a habit of saving.

Spend less than you earn and invest the rest consistently: Spending less than you earn is only the first step towards wealth creation. It's what you do with what's left that really matters.