Building a financial plan is essential to achieving your financial goals through investing. Here's a step-by-step guide on how to determine how much to invest and where to start:
1. Assess Your Current Financial Situation:

Income and Expenses: Calculate your disposable income after covering all necessary expenses (rent, bills, food, etc.).
Emergency Fund: Ensure you have an emergency fund (3-6 months of living expenses) in a safe, accessible account before investing.

2. Define Your Financial Goals:

Set clear goals, whether they are short-term (saving for a holiday or home deposit) or long-term (retirement or children’s education). These go...