Financial literacy has become very important, and even now, you will find a lot of content online. still, there is a large number of people who are not financially literate. we think that maybe you will have an understanding of finance, but it is not so. Only 27% of the people are financially literate in India, and this number is very low. earlier, this number used to be even less, but now there are many online platforms through which people are educating themselves, but see, in this journey, people also get scammed a lot. People should also keep this in mind. Some people do not even trust online things, and to be honest, they are also afraid of using online things. And this rate is not wrong at all because many different types of scams keep happening with people, and every time the scammer adopts some new method through which he takes advantage of all these things of the people. There are very few people who understand this thing and are ready to fight this thing, but most people are not aware of these things and hence do not know anything about them.



![finance 1.png](https://files.peakd.com/file/peakd-hive/bhattg/23wXLU3YGYP1mE9FZ9BSyvb31FccskCqyJH4ufvA25hkiP1PNb55SnmxDSryZUyfmoVQG.png)


[ImgSrc](chatgpt.com)


If I talk about myself, I got finance information quite late, when I got a job, then I came to know about these things because when you go to work somewhere, you meet different types of people and you get different types of information, from there I got finance information, then I started doing more research on this topic and started increasing my knowledge. It is said that when something comes to you, it also comes to you; no matter how hard you try before that, everything remains away from you, and you remain deprived of those things. Perhaps every one of us must be thinking that I wish we had known about bitcoin earlier, if someone thinks so, but perhaps it may be that if everyone had known about bitcoin, then perhaps the circumstances in which he is today would not have been like this. Or do you know about this - even father, there would hardly be anyone who would hold this for such a long time because very few people have so much patience that they can hold any thing for such a long time, I would not say that it is impossible, there are many wallets where there has been no movement of any kind for many years.


To be honest, I started my finance journey from Groww, it was through him that I got to know a lot of things and I learned a lot because he has a YouTube channel, he has his blog, he has an Instagram account and many other things through which he keeps sharing information, due to this I got a lot of information about finance and how much we should spend, how much we should save and a lot of other information. Nowadays, whatever has happened, it reaches everyone through Grow Up, but look, it was not like this some time back because at that time internet was not everywhere and the speed of internet used to be very slow, now a lot of influencers have come who promote many applications or create a lot of content, but this used to happen very rarely earlier.




![3200373_40450.jpg](https://files.peakd.com/file/peakd-hive/bhattg/EoH4kkYw4rbQCFMKuw9YybbwBASyginW1vkjjxZch1os7vB7LB9V6quK1BMBzagqPwN.jpg)


[ImgSrc](https://www.freepik.com/free-vector/finance-financial-performance-concept-illustration_3200373.htm#fromView=search&page=1&position=5&uuid=5a6f3220-cfb2-4b1f-b2c1-89d7b038352d&query=finance+)

Ever since I came to know about all these things, I have become a little serious about my savings and investment and I am also investing recent amount some in crypto, some in share market and some in other places where I will get some fixed returns because see, times of trouble can fall on anyone, so we all should act accordingly and must keep our savings collected and must get it insured, this is also a very important thing which most of us miss and then we have to suffer a lot for it. Look, I will advise everyone that if you are starting your financial journey then first get yourself insured and then keep some savings, this is also very important, only after that you should start investing because if you do not take insurance and you start your financial journey, then if ever an emergency happens to you or some trouble comes to you, you will not have any savings, so because of this you will have to withdraw from your invested money, which is a very wrong way according to me.


These days through a lot of Instagram and Youtube reels, you must have come to know a lot about finance, but look, you should also do a little research on your own, there are a lot of things that you can do for investing, for those, I have made a separate post, the links of which I will share with you, but look, in the beginning itself, you have to first take insurance, then keep some savings amount in your account, after that, there are a lot of things like mutual funds, gold, property etc. where you can invest and you should also do it, because look, if you just keep your money in the bank, then you do not get any kind of profit there.

[How to Start Investing in India: RD, FD, NPS & Mutual Funds Explained](https://peakd.com/hive-197685/@bhattg/how-to-start-investing-in)
[Your Investment Guide – Part 2: ETFs, PFs, PPFs, Gold & Property](https://peakd.com/hive-197685/@bhattg/your-investment-guide-part-2)


Yes, earlier people used to do this but now everyone has become aware and everyone knows where he can get good returns and invests accordingly, due to which the banking sector has also been put at a great risk, but still it is not like the banking sector will be put to shame in a single day, it is still very strong there, but still you need special information about your investment because this decides how your future will be and what kind of luxurious life you can live in your future or not, everything depends on your present decisions.


















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