Get Good with Money: Ten Simple Steps to Becoming Financially Whole
Oct 2025
3 min read
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Get Good with Money: Ten Simple Steps to Becoming Financially Whole by Tiffany Aliche is a practical guide to personal finance that emphasizes holistic financial wellness over quick fixes or wealth-chasing. Drawing from her own experiences Aliche introduces a framework called “financial wholeness,” which combines budgeting, saving, debt management, credit building, investing, and more into a cohesive system.
Here are ten key takeaways:
1. Build a Budget and Automate It
A budget is the foundation of financial wholeness. Automating it helps you stay consistent and reduces emotional decision-making.
2. Get Good at Saving
Savings are your financial safety net. Start with an emergency fund and build toward long-term goals like travel, homeownership, or retirement.
3. Dig Out of Debt
Create a realistic debt repayment plan. Prioritize high-interest debt and explore strategies like the snowball (Pay off debts starting with the smallest balance first) or avalanche method (Pay off debts with the highest interest rate first).
4. Boost Your Credit Score
Your credit score affects everything from loan approvals to interest rates. Learn how to monitor, improve, and protect it.
5. Learn to Earn
Increase your income through side hustles, career advancement, or entrepreneurship. Diversifying income streams builds resilience.
6. Invest Wisely
Understand basic investment principles. Start small, be consistent, and align your investments with your financial goals.
7. Protect Your Wealth
Insurance (health, life, disability, etc.) is essential to safeguard your assets and loved ones from unexpected events.
8. Get Financially Organized
Keep your financial documents, passwords, and plans in order. This reduces stress and helps you make informed decisions.
9. Plan for Retirement
Start early and contribute regularly to retirement accounts. Starting early and automating investments helps you benefit from compounding.
10. Practice Estate Planning
Prepare for the future with wills, beneficiaries, and legacy planning. It’s not just for the wealthy, it’s for everyone.
We recommend you to read the book to gain more insights.
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This is an Investor Education and Awareness Initiative by PGIM India Mutual Fund.
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All the Mutual Fund investors have to go through a one-time KYC (Know Your Customers) process. Investor should deal only with the Registered Mutual Funds (RMF). For more info on KYC, RMF and procedure to lodge/redress any complaints, visit https://www.pgimindia.com/mutual-funds/ieid.
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY. Read more
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