How we helped a young professional manage their student debt and start their first capital investments.
A college graduate, with a student debt of 45,000 RON and a monthly income of 4,200 RON, was unable to save and felt overwhelmed by current expenses. The lack of a savings discipline prevented them from building an emergency fund.
We implemented a personalized budgeting plan, prioritizing high-interest debt repayment and allocating 15% of income to savings. We used the "pay yourself first" method and optimized monthly expenses by 12%.
We set up an automated savings account, restructured the student debt through an accelerated repayment plan, and introduced the first concepts of capital investments through a diversified portfolio of low-cost ETFs.
After 12 months, the debt was reduced by 28%, savings reached 8,500 RON, and the first capital investments generated a return of 4.2%. The savings discipline became a solid habit, and the client began planning for a home purchase.
-28%
Student debt reduction
8,500 RON
Accumulated savings fund
+4.2%
Capital investment return
The development stages of a brand dedicated to the financial independence of young professionals.
We launched the first financial planning course for graduates, targeting those who wanted to manage their student debt and start saving.
We expanded the programs with modules on tax optimization and capital investments, helping over 500 young professionals discipline their savings.
We reached a community of over 2,000 active members and were nominated for innovation in financial education, solidifying saving discipline as a core pillar.
We collaborated with financial institutions to provide direct access to capital investment tools, turning theoretical knowledge into practical actions.
We are launching the international platform, bringing financial planning and personal budget management to over 10,000 young people worldwide.