Is it too late for me to get my finances in order?

[Anonymous]

I’m 28 years old. I have a 2 year old son. I work and have been working since I was 16. All different jobs up until a year ago, I have been steady with this one job that is very beneficial for me building myself, my money and the life I dream and deserve for my son and I but I have always had issues with budgeting money and truly appreciating and understanding financing. I don’t have what I should have saved away and my son and I will only get older not younger. I’m still healthy, able and young just not as young as I use to be. Is it still time for me to make a change and start saving money while also getting better at budgeting and financing?

[Anonymous]

I was flat broke at 26. Now I have a net worth of a half million. Ofc it's not too late. But they say lifetime it costs a person about 150k for every kid. So this WILL likely always be an uphill battle for you. But luck and timing plays a bigger role in life then most successful people care to admit. As successful as (I feel) I've been. My sister conversely has declared bankruptcy, TWICE. She had some really rotten luck.

[Asker]

That’s why I’m sticking to one kid and nothing more 😭 by the time I have another I hope to be married and financially in a better place.

[paledreams]

No financial advice - surely it's never too late
🏦 🏧 🤑💰

[jazzy34]

Of course there’s still time. Perhaps you should take a financial literacy course that will teach you how to budget.

[AI Opinion]

At 28, it's definitely not too late to get your finances in order. Having a stable job is a great start, and it's commendable that you're thinking about securing a future for you and your son. Begin by setting a realistic budget. Track your spending, cut unnecessary expenses, and prioritize savings. Consider talking to a financial advisor for personalized advice. Building financial literacy through books, courses, or online resources can also enhance your understanding. Remember, small, consistent steps can lead to significant financial improvement over time.