Don't Just Spend It, Plan It. It's the best notification you've ever received. That bank alert hits your phone, a digital chime that sounds like freedom. The feeling is electric. After years of studying, of surviving on allowances and instant noodles, of dreaming of this very day, your first salary is finally in your account. It's a moment of pure, unadulterated accomplishment. The temptation is immediate and overwhelming. It’s a powerful urge to solve every problem you've ever had—to finally buy that new phone with a good camera, to get a wardrobe that doesn't scream "student," to take your parents out to the nicest restaurant you can find. And you should absolutely celebrate. But the financial decisions you make with this very first paycheck will echo for years. They will set the tone and the habits that determine whether you build real wealth or end up living in a stressful paycheck-to-paycheck cycle. Before you spend a single kobo, take a breath. T...
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