wealthycollegegrad

Case Study

Financial Planning for Graduates

How we helped a young professional manage their student debt and start their first capital investments.

The Challenge

A college graduate, with a monthly income of 4,500 RON and student debt of 18,000 RON, was unable to save and felt overwhelmed by monthly expenses.

— Lack of saving discipline
— Loan interest rate: 9% per year
— No emergency fund

The Approach

We implemented a personalized budgeting and tax optimization plan, followed by low-risk capital investment strategies.

— Expense analysis and reduction of fixed costs by 15%
— Debt refinancing at 5% interest
— Allocating 20% of income to savings and investments

Implementation

Over the course of 6 months, we guided the client through practical steps: creating a monthly budget, automating savings, and opening an investment account.

— Monthly budget with tracking app
— Emergency fund of 3,000 RON established
— Initial investment of 500 RON in ETFs

The Result

After 12 months, the client reduced debt by 40%, accumulated savings of 6,000 RON, and achieved an 8% return on investments.

— Remaining debt: 10,800 RON
— Total savings: 6,000 RON
— Consolidated saving discipline

Supporting Materials

Savings growth chart

Financial planning agenda

Capital investment dashboard