When he started living in Hanoi two years ago, James Carter was astonished to discover that most Vietnamese families own gold.

Experts advise having 3-6 months of living expenses in an emergency fund, which can be adjusted depending on individual circumstances, but should never be zero.

Experts suggest that bank loans can be a good lever if calculated carefully. Consider long-term loans to reduce monthly repayment pressure.

Experts often advise buying cheap or undervalued stocks, and this isn't a subjective assessment but is based on clear quantitative formulas.

Experts advise buying property based primarily on personal savings. If borrowing, it shouldn't exceed 30-40% of the property value, and choose an area with high liquidity.

Over 500 students attended the opening event of the "financial peace of mind for generation z" workshop series on 23/6, learning about budgeting, saving, and investing.

Compared to most people, millionaires tend to save and invest consistently, have multiple income streams, spend thoughtfully, and believe in themselves.