OBR Investing

Personal finance is perhaps one of the most important aspects of being an investor. Personal finance is the underlying idea that each individual is given the duty to actively manage their financial state so they can remain financially aware. Though broad, personal finance can include managing risk, budgeting, saving, investing, and so much more.

Learning Path

It can be easy to become caught up daily duties such as a job or tending to loved ones to the point where it may be difficult to track how your money is being spent. This guide will list out the steps you can take to better understand your personal cash flow and why it is important to track.

The first step to growing wealth and financial freedom is to properly manage your income and expenses. This guide will be a basic guide to the former, and provide some ideas that anyone with a stream of income can utilize to organize where their money goes.

Paycheck Allocation

Remember that you want a safety net as you grow older. Most active traders are on the younger side, so they can afford to make those riskier investments and trades. But when you’re retired, you don’t normally have as many streams of income, so it is usually recommended that you be more safe with your assets. This guide will introduce some basic retirement accounts that you can use now for when that time comes.

Retirement Account

This section will explain the different types of tax systems, some common misconceptions, and how they apply to anyone earning income in the U.S. Understanding the mechanics of tax brackets will help maximize cash flow and elaborate on each individuals tax bracket and how they progress.

Tax Brackets