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Raga Finance:4點痴線財經 20250801 – 主持:冼潤棠(棠哥)、沈振盈(沈大師)
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8 TINY Habits to Become Financially Literate In 2026
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𝗚𝗘𝗧 𝗡𝗢𝗘𝗟𝗟𝗘’𝗦 𝗟𝗔𝗧𝗘𝗦𝗧 𝗕𝗢𝗢𝗞 𝗧𝗢𝗗𝗔𝗬:
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𝐆𝐄𝐓 𝐏𝐄𝐑𝐒𝐎𝐍𝐀𝐋 𝐂𝐎𝐀𝐂𝐇𝐈𝐍𝐆 & 𝐌𝐄𝐍𝐓𝐎𝐑𝐒𝐇𝐈𝐏 𝐖𝐈𝐓𝐇 𝐌𝐄 — 𝐛𝐨𝐨𝐤 𝐲𝐨𝐮𝐫 𝐅𝐑𝐄𝐄 𝐨𝐧𝐞-𝐨𝐧-𝐨𝐧𝐞 𝐜𝐚𝐥𝐥 𝐭𝐨𝐝𝐚𝐲:
https://CallNoelle.com
𝐆𝐄𝐓 𝐀𝐋𝐋 𝟒 𝐎𝐅 𝐌𝐘 𝐀𝐌𝐀𝐙𝐎𝐍 𝐁𝐄𝐒𝐓 𝐒𝐄𝐋𝐋𝐈𝐍𝐆 𝐅𝐑𝐄𝐄 𝐁𝐎𝐎𝐊𝐒 at https://noellesbookoffer.com
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•𝐌𝐢𝐥𝐥𝐢𝐨𝐧𝐚𝐢𝐫𝐞 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐒𝐞𝐜𝐫𝐞𝐭𝐬
•𝐁𝐍𝐁 𝐌𝐢𝐥𝐥𝐢𝐨𝐧𝐚𝐢𝐫𝐞 𝐒𝐞𝐜𝐫𝐞𝐭𝐬
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📚 𝐆𝐞𝐭 𝟐 𝐨𝐟 𝐌𝐲 𝐁𝐞𝐬𝐭 𝐒𝐞𝐥𝐥𝐢𝐧𝐠 𝐀𝐦𝐚𝐳𝐨𝐧 𝐅𝐑𝐄𝐄 𝐁𝐨𝐨𝐤𝐬 – 𝐏𝐢𝐜𝐤 𝐀 𝐇𝐨𝐫𝐬𝐞 and 𝐓𝐡𝐞 𝐌𝐚𝐧𝐢𝐟𝐞𝐬𝐭 𝐉𝐨𝐮𝐫𝐧𝐚𝐥 at https://Deals.NoelleRandall.com
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𝗖𝗵𝗲𝗰𝗸 𝗺𝘆 𝘄𝗲𝗯𝘀𝗶𝘁𝗲:
Most people think financial literacy is about math. It’s not. It’s about habits.
In this video, you’ll learn eight tiny but powerful habits that can completely change how you earn, save, invest, and think about money in 2026. These are practical, real-world behaviors that help you stop working for money—and start making money work for you.
From aligning spending with long-term goals to automating wealth, investing early, and increasing your earning power, this breakdown is designed for real life—not theory. If you want more freedom, less stress, and a smarter financial future, this is where you start.
Timestamp:
0:00 – 8 Tiny Habits for Financial Literacy
0:58 – Habit #1
1:59 – Habit #2
2:30 – Habit #3
3:01 – Habit #4
3:51 – Habit #5
4:16 – Habit #6
4:48 – Habit #7
5:25 – Habit #8
6:33 – Make 2026 Your Breakthrough Year
Alternative Titles:
8 Tiny Money Habits That Change Everything in 2026
Financial Literacy Isn’t What You Think (Do These 8 Things)
Stop Working for Money in 2026 — Do This Instead
The 8 Habits That Took Me From Broke to Financial Freedom
If You Learn These 8 Habits, Money Changes Fast
#FinancialLiteracy #MoneyHabits #WealthBuilding #PersonalFinance #FinancialFreedom #2026Goals #PassiveIncome #MoneyMindset
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The Only Asset Allocation Guide You’ll Ever Need
Your portfolio’s performance isn’t about finding the next hot stock; it’s about how you slice the pie. In this episode, I break down the real math behind compounding, why losses hurt more than wins help, and three simple allocation models you can actually follow without losing sleep.
We’ll cover:
• Why “average returns” are misleading and compounding is what matters.
• How diversification really works (hint: it’s not about guessing winners).
• Three practical allocation strategies for different levels of risk tolerance.
• The surprising case for the “reverse glide path” in retirement.
Whether you’re cautious, balanced, or adventurous, you’ll leave with a framework to match your investments to both your spreadsheet and your stomach.
And if you’ve ever wondered whether you should own more stocks, more bonds, or just more Advil to deal with it all once you retire — this episode’s for you.


