I tell you what I've noticed since returning from the United States: a clear message "through the nose" was sent to all of us.And the message, as you can imagine, is very important! In this article, we will talk about how to "make friends" with your money to see if they "come around" and "come to us".We are used to "handing over" our money for work: Usually, we get a modest salary for this — and it is with this "money" that we send to the Bank every month. day.We also get a nice "sweetheart" in the form of a second or third salary (sometimes even a third).But if you are chronically lacking "money teeth" (which we get thanks to our hard work and participation in complex projects), then the "money" you have is robbing you of sleep.:1) the Bank is looking at your financial health in a whole new wayTherefore, stop "pushing" your money away from you. Think about it:how long have you been saving for your "financial cushion"?what has your financial plan for the coming year?2) expectationsAre your expectations realistic? Do you have a "pot" of money? This is the "fat" behind your excessive savings? If you don't have enough money, then "clean up" your wallet and consider it a waste. there is nothing to pay for (some investments are not only profitable, but also highly risky).3) Poor "financial cushion" It is without question a very big mistake to keep such a large amount of "financial fat" on your hands. It is on this fat that you will need your "financial cushion" in the event of an unexpected force majeure (dismissal, long-term illness, etc.). 4) You "eat up" a lot of money on interestIf you do not make enough "home-based" income, then it time to switch to investments.As I said before, without a "financial cushion", you are doomed to failure. 5) You are making " money" only with "home-made" rulesIf you do not adjust your spending according to a budget, then serious problems begin. problems.It is on this money that you need to focus all your efforts in the future. efforts.Executive SUMMARY:1. Make a good habit of saving 10-20% of each income earned.2. If you have unused amounts on your account, immediately start investing them.3. it is on this money that you will find the necessary funds for investments/investing.4. Take a closer look at your" financial cushion"In the event of an unexpected force majeure (dismissal, long-term illness, etc.) or collapse