Building wealth is achievable for anyone, even with a low income, through effective budgeting, diligent saving, and smart investing. Focus on automating savings, understanding debt, and continuously educating yourself about finance. With discipline and strategic lifestyle changes, you can lay a strong foundation for financial stability and future growth.

Investing in Exchange-Traded Funds (ETFs) offers low costs, diversification, and liquidity but also exposes investors to market volatility, transaction fees, and limited control over specific sectors. Understanding these pros and cons is essential for aligning ETF investments with personal financial goals and risk tolerance.