A practical guide to personal finances for Generation Z. This book presents financial literacy as an exciting game in which you’ll build, step by step, your ability to manage a budget, understand investments, and protect yourself from scammers.
Sergey Makarov is an independent financial advisor and a specialist in financial well-being with 20 years of experience in consulting and teaching personal finance and investing.
Valeria Tsibulnikova is a financial consultant and an expert in programs to improve financial literacy; she accompanies science-intensive projects and startups.
No boring theory: managing money here is like the main RPG of your life. In a world where it’s easy to fall into financial traps, this book will be your guide to developing a key skill—knowing how to handle money wisely.
On this journey you will:
• understand how psychology, habits, and family attitudes affect income and expenses;
• go over the basics of economics and build a working personal budget;
• learn to save, assess loan risks, and protect your money and data from scammers;
• learn how to monetize a hobby, start investing even with a small amount, and confidently plan your future.
The main goal is not one-time gain, but financial independence: to feel calm and confident in any situation. Don’t put off this quest—time is your most valuable resource. Start acting by your rules right now.