There are two principles from David Bach’s The Automatic Millionaire which primed the beginning of my journey to financial independence. The first is to always pay yourself first,which doesn’t mean treating yourself to a restaurant meal every week or buying a new toy/gadget every month but investing in yourself. This could mean something as basic as funding your retirement account or signing up on that new Scrum Master class that costs a lot but would help you in your career in the long term. The second is budgeting, which I’d admit, is hard to stick to. Like diets and New Year resolutions, it’s easy to start, but also easy to give up on. Because of how digital our finances and financial services have become, managing and investing our money has become much more efficient and effortless, compared to just a decade ago. Though digital banking brings many conveniences and benefits, they do come with risks too!...