{"id":704260,"date":"2026-05-20T00:00:00","date_gmt":"2026-05-20T00:00:00","guid":{"rendered":"https:\/\/enterpriseam.com\/egypt\/?post_type=money-matters&#038;p=704260"},"modified":"2026-05-20T07:30:57","modified_gmt":"2026-05-20T07:30:57","slug":"the-financial-playbook-for-gen-z","status":"publish","type":"money-matters","link":"https:\/\/enterpriseam.com\/egypt\/money-matters\/the-financial-playbook-for-gen-z\/","title":{"rendered":"The financial playbook for Gen Z"},"content":{"rendered":"<section id=\"704262\" class=\"issue-section \">\n<div class=\"issue-section__content\">\n<div class=\"stories\">            <!-- Show divider before story section -->\r\n        <div \r\n            class=\"\r\n                story-section            \"\r\n            id=\"704262\">\r\n            \r\n                <div class=\"issue-story-header text-center\">\r\n                    <div class=\"index-number\">1<\/div>\r\n\r\n                    <p class=\"f-graphik\">INTRO<\/p>\r\n                    <h3 class=\"story-title\">\r\n                        <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/welcome-to-the-first-issue-of-money-matters\/\">\r\n                            Welcome to the first issue of Money Matters                        <\/a>\r\n                    <\/h3>\r\n\r\n                    \r\n\t\t\t\t\t\n<div class=\"cta\">\n    <div class=\"cta__btn share-dropdown-cta dropdown-toggle-btn\" style=\"position:relative\">\n        <img decoding=\"async\" src=\"https:\/\/ent.news\/internal\/408834.svg\" alt=\"\">\n        Share Story\n        <!-- Dropdown Menu -->\n        <ul class=\"share-menu\">\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/welcome-to-the-first-issue-of-money-matters\/\" target=\"_blank\">\n                    Open in new tab                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/new-tab.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"#\" target=\"_blank\" onclick=\"event.preventDefault(); navigator.clipboard.writeText('https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/welcome-to-the-first-issue-of-money-matters\/')\">\n                    Copy Link                <\/a>\n\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/welcome-to-the-first-issue-of-money-matters\/\">\n                    Facebook                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/facebook-icon2.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/x.com\/intent\/post?text=Welcome to the first issue of Money Matters&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/welcome-to-the-first-issue-of-money-matters\/\">\n                    X                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/twitter-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/welcome-to-the-first-issue-of-money-matters\/&title=Welcome to the first issue of Money Matters\">\n                    LinkedIn                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/linkedin-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/api.whatsapp.com\/send?text=Welcome+to+the+first+issue+of+Money+Matters+https%3A%2F%2Fenterpriseam.com%2Fegypt%2F2026%2F05%2F20%2Fwelcome-to-the-first-issue-of-money-matters%2F\">\n                    WhatsApp                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/whatsapp-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n        <\/ul>\n    <\/div>\n        <\/div>\r\n                    \r\n                <\/div>\r\n\r\n            \r\n            <div class=\"story__body\">\r\n\r\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/welcome-to-the-first-issue-of-money-matters\/\">\r\n                    <div class=\"photo photo--above\">\r\n                                            <\/div>\r\n                <\/a>\r\n\r\n                \n<article id=\"post-704262\" class=\"content-area-description single-story post-704262 post type-post status-publish format-standard hentry category-intro tag-intro tag-money-matters wpautop entry\">\n\n\t\n\t<div class=\"entry-content\">\n\n\t\t\n\t\t<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Good morning, wonderful people, and welcome to a very special issue of EnterpriseAM. <\/strong>This is the first installment of <strong>Money Matters<\/strong>.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Technology has completely changed our relationship with money. <\/strong>Savings and investments are now just a tap away on our phones, and financial decisions have quietly become part of our everyday routines. The problem is that most of us were never really taught how to navigate this new world.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>That is why we are launching Money Matters<\/strong>, a four-part signature series exploring personal finance from every angle. We are starting from the beginning: how young people think about money, and how they can begin building healthy financial habits from an early age \u2014 even with limited savings \u2014 before following the financial journey across every stage of life, from first salaries to retirement planning.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>So let\u2019s get started\u2026<\/strong><\/p>\n\n\t<\/div><!-- .entry-content -->\n\n\t\n<\/article><!-- #post-${ID} -->\n\n\n    <div class=\"tags-section\">\n        <div class=\"f-graphik\">Tags:<\/div>\n        <div class=\"tags-list\">\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/intro\/\">INTRO<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/money-matters\/\">Money Matters<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                    <\/div>\n    <\/div>\n            <\/div>\r\n        <\/div> <!-- \/.story -->\r\n    \n    \n\n    <\/div>\n<\/div>\n<\/section>\n<section id=\"704263\" class=\"issue-section \">\n<div class=\"issue-section__content\">\n<div class=\"stories\">            <!-- Show divider before story section -->\r\n        <div \r\n            class=\"\r\n                story-section            \"\r\n            id=\"704263\">\r\n            \r\n                <div class=\"issue-story-header text-center\">\r\n                    <div class=\"index-number\">2<\/div>\r\n\r\n                    <p class=\"f-graphik\">Finance<\/p>\r\n                    <h3 class=\"story-title\">\r\n                        <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/how-should-young-people-think-about-money-and-budgeting\/\">\r\n                            How should young people think about money and budgeting?                        <\/a>\r\n                    <\/h3>\r\n\r\n                    \r\n\t\t\t\t\t\n<div class=\"cta\">\n    <div class=\"cta__btn share-dropdown-cta dropdown-toggle-btn\" style=\"position:relative\">\n        <img decoding=\"async\" src=\"https:\/\/ent.news\/internal\/408834.svg\" alt=\"\">\n        Share Story\n        <!-- Dropdown Menu -->\n        <ul class=\"share-menu\">\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/how-should-young-people-think-about-money-and-budgeting\/\" target=\"_blank\">\n                    Open in new tab                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/new-tab.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"#\" target=\"_blank\" onclick=\"event.preventDefault(); navigator.clipboard.writeText('https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/how-should-young-people-think-about-money-and-budgeting\/')\">\n                    Copy Link                <\/a>\n\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/how-should-young-people-think-about-money-and-budgeting\/\">\n                    Facebook                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/facebook-icon2.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/x.com\/intent\/post?text=How should young people think about money and budgeting?&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/how-should-young-people-think-about-money-and-budgeting\/\">\n                    X                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/twitter-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/how-should-young-people-think-about-money-and-budgeting\/&title=How should young people think about money and budgeting?\">\n                    LinkedIn                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/linkedin-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/api.whatsapp.com\/send?text=How+should+young+people+think+about+money+and+budgeting%3F+https%3A%2F%2Fenterpriseam.com%2Fegypt%2F2026%2F05%2F20%2Fhow-should-young-people-think-about-money-and-budgeting%2F\">\n                    WhatsApp                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/whatsapp-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n        <\/ul>\n    <\/div>\n        <\/div>\r\n                    \r\n                <\/div>\r\n\r\n            \r\n            <div class=\"story__body\">\r\n\r\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/how-should-young-people-think-about-money-and-budgeting\/\">\r\n                    <div class=\"photo photo--above\">\r\n                        <img decoding=\"async\" src=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1204.jpg?fit=1568%2C9999&amp;ssl=1\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" data-attachment-id=\"704264\" data-permalink=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/how-should-young-people-think-about-money-and-budgeting\/1204-jpg-20\/\" data-orig-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1204.jpg?fit=%2C&amp;ssl=1\" data-orig-size=\"\" data-comments-opened=\"0\" data-image-meta=\"[]\" data-image-title=\"1204.jpg\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1204.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1204.jpg?fit=1024%2C1024&amp;ssl=1\" \/>                    <\/div>\r\n                <\/a>\r\n\r\n                \n<article id=\"post-704263\" class=\"content-area-description single-story post-704263 post type-post status-publish format-standard has-post-thumbnail hentry category-finance tag-finance wpautop entry\">\n\n\t\n\t<div class=\"entry-content\">\n\n\t\t\n\t\t<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"> <strong>Budgeting early in life is about <\/strong><strong>building the person capable of generating wealth.<\/strong> Young people often approach money backwards. Many become obsessed early on with where to invest their first EGP 1k \u2014 stocks, gold, savings certificates, or even crypto \u2014 before building the skills, discipline, and earning power that will ultimately determine their long-term financial future.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>\u201cI always say there are two axes: human capital and financial capital,\u201d<\/strong> psychologist and executive coach Ahmed El Aawar tells EnterpriseAM. A young person\u2019s financial capital is very weak, but their potential is extremely high. That distinction should shape how people think about budgeting from the very beginning, El Aawar argues. <\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>\u201cThe time you have when you are young should be invested in building human capital<\/strong> that will later produce financial capital,\u201d he says. Here are the core principles El Aawar believes young people should follow when learning how to manage money early on:<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Use budgeting to create priorities<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Budgeting should function as a framework for prioritization rather than restriction<\/strong>, El Aawar tells us. A simple starting framework for younger people could involve allocating:<\/p>\n<ul>\n<li>Around 70% of income toward necessities<\/li>\n<li>Around 20% toward self-development<\/li>\n<li>Around 10% toward savings and investments<\/li>\n<\/ul>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>The exact percentages matter less than the broader principle: <\/strong>continuing to invest heavily in human capital while gradually building financial discipline, he says.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Invest in yourself before obsessing over investments<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>The money you make today is basically the result of the investment you made in yourself years ago.<\/strong> Education, experience, networking, and skill-building generate far greater long-term returns early in life than obsessing over portfolio optimization, El Aawar notes. \u201cMy hour today might be worth x amount of money \u2014 where did that come from? It came from education, building experience, and adding value.\u201d<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Build the saving muscle early<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Budgeting early in life is about building consistency and financial discipline<\/strong>, El Aawar says. \u201cYou need to invest in yourself for sure, but slowly and surely build the muscle and discipline of saving,\u201d he notes. Even small allocations toward savings or investing can help young people understand markets, risk, and long-term thinking while building healthier money habits over time.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Focus on income growth before investment optimization<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>\u201cYour income and your time are your biggest assets in the beginning,\u201d<\/strong> that is the real priority according to El Aawar. Young people should spend less time worrying about how to maximize returns on small amounts of money and more time figuring out how to increase their ability to generate income over time. One of the biggest mistakes young people make is becoming consumed by conversations around returns, currencies, and asset allocation before they are even capable of consistently producing income, El Aawar argues.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Take more risks when you are young<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Risk tolerance should naturally decline with age<\/strong>, while saving rate increases, El Aawar says. Young people should use their early years to experiment, learn, and tolerate mistakes while they still have time to recover financially. Small investments early in life are valuable partly because they function as financial education. \u201cIt is like building a prototype,\u201d he concluded.<\/p>\n\n\t<\/div><!-- .entry-content -->\n\n\t\n<\/article><!-- #post-${ID} -->\n\n\n    <div class=\"tags-section\">\n        <div class=\"f-graphik\">Tags:<\/div>\n        <div class=\"tags-list\">\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/finance\/\">Finance<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                    <\/div>\n    <\/div>\n            <\/div>\r\n        <\/div> <!-- \/.story -->\r\n    \n    \n\n    <\/div>\n<\/div>\n<\/section>\n<section id=\"704265\" class=\"issue-section \">\n<div class=\"issue-section__content\">\n<div class=\"stories\">            <!-- Show divider before story section -->\r\n        <div \r\n            class=\"\r\n                story-section            \"\r\n            id=\"704265\">\r\n            \r\n                <div class=\"issue-story-header text-center\">\r\n                    <div class=\"index-number\">3<\/div>\r\n\r\n                    <p class=\"f-graphik\">Investment<\/p>\r\n                    <h3 class=\"story-title\">\r\n                        <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-beginners-guide-to-building-an-investment-portfolio\/\">\r\n                            The beginner\u2019s guide to building an investment portfolio                        <\/a>\r\n                    <\/h3>\r\n\r\n                    \r\n\t\t\t\t\t\n<div class=\"cta\">\n    <div class=\"cta__btn share-dropdown-cta dropdown-toggle-btn\" style=\"position:relative\">\n        <img decoding=\"async\" src=\"https:\/\/ent.news\/internal\/408834.svg\" alt=\"\">\n        Share Story\n        <!-- Dropdown Menu -->\n        <ul class=\"share-menu\">\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-beginners-guide-to-building-an-investment-portfolio\/\" target=\"_blank\">\n                    Open in new tab                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/new-tab.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"#\" target=\"_blank\" onclick=\"event.preventDefault(); navigator.clipboard.writeText('https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-beginners-guide-to-building-an-investment-portfolio\/')\">\n                    Copy Link                <\/a>\n\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-beginners-guide-to-building-an-investment-portfolio\/\">\n                    Facebook                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/facebook-icon2.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/x.com\/intent\/post?text=! The beginner\u2019s guide to building an investment portfolio&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-beginners-guide-to-building-an-investment-portfolio\/\">\n                    X                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/twitter-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-beginners-guide-to-building-an-investment-portfolio\/&title=! The beginner\u2019s guide to building an investment portfolio\">\n                    LinkedIn                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/linkedin-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/api.whatsapp.com\/send?text=%21+The+beginner%E2%80%99s+guide+to+building+an+investment+portfolio+https%3A%2F%2Fenterpriseam.com%2Fegypt%2F2026%2F05%2F20%2Fthe-beginners-guide-to-building-an-investment-portfolio%2F\">\n                    WhatsApp                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/whatsapp-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n        <\/ul>\n    <\/div>\n        <\/div>\r\n                    \r\n                <\/div>\r\n\r\n            \r\n            <div class=\"story__body\">\r\n\r\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-beginners-guide-to-building-an-investment-portfolio\/\">\r\n                    <div class=\"photo photo--above\">\r\n                        <img decoding=\"async\" src=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1224.jpg?fit=1568%2C9999&amp;ssl=1\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" data-attachment-id=\"704266\" data-permalink=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-beginners-guide-to-building-an-investment-portfolio\/1224-jpg-30\/\" data-orig-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1224.jpg?fit=%2C&amp;ssl=1\" data-orig-size=\"\" data-comments-opened=\"0\" data-image-meta=\"[]\" data-image-title=\"1224.jpg\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1224.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1224.jpg?fit=1024%2C1024&amp;ssl=1\" \/>                    <\/div>\r\n                <\/a>\r\n\r\n                \n<article id=\"post-704265\" class=\"content-area-description single-story post-704265 post type-post status-publish format-standard has-post-thumbnail hentry category-investment tag-investment wpautop entry\">\n\n\t\n\t<div class=\"entry-content\">\n\n\t\t\n\t\t<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"> <strong>How to build your first investment portfolio: <\/strong>Investment portfolios are no longer reserved for wealthy or seasoned investors. High inflation and the EGP\u2019s depreciation have pushed people from a very young age to look beyond traditional saving, while fintech has opened access to investment tools that were difficult or inaccessible just a few years ago. Many people learn investing through trial and error, but there are a few core principles that can save you significant time and losses as you work toward your financial goals.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Start with clear life goals<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Investment should serve real-life objectives.<\/strong> \u201cIt\u2019s not just that I have EGP 1 mn and I want to turn it into EGP 10 mn\u201d, what\u2019s the point of it?\u201d <a target=\"_blank\" href=\"https:\/\/azimut.eg\/\" style=\"\">Azimut Egypt<\/a> CEO <strong>Ahmed Abul Saad <\/strong>says. \u201cDo you want to buy a house? A car? Do you want to travel?\u201d Those are real goals,\u201d he explains.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\"> Be consistent and disciplined<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>\u201cTool accessibility should be complemented by a basic understanding of consistent saving and long-term investing,\u201d Ahmed Waly<\/strong>, MD, Global Head of Brokerage at EFG Hermes tells us. Discipline and consistency help investors survive volatility and reach their objectives over time, Abul Saad adds.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Avoid going \u201call in\u201d at once<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>\u201cOne of the key principles is avoiding investing all your money at once,\u201d<\/strong> <strong>Ebrahim Anwar<\/strong>, CEO of precious metals investment app <a target=\"_blank\" href=\"https:\/\/www.sabika.app\/en\" style=\"\">Sabika<\/a>, tells us. Instead, he advocates gradual investing over regular intervals through what is known as dollar-cost averaging. \u201cDon\u2019t invest all your money at once \u2014 invest gradually every month in installments,\u201d Anwar notes. This approach helps reduce the impact of market volatility and avoids emotional reactions driven by fear or hype, Abul Saad says.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Diversify<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>\u201cThere is no such thing as a risk-free investment, which is why diversification is a core principle for mitigating risk,\u201d <\/strong>Abul Saad tells us. \u201cEvery asset class \u2014 equities, gold, real estate, etc \u2014 can also be diversified within itself \u2026 equity investing, for example, can take the form of a stock portfolio, an equity fund, or even a portfolio of equity funds,\u201d he adds.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Liquidity should always be available<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>\"Generally, the rule of thumb should always be: am I liquid enough, well diversified?\"<\/strong> Waly says. Part of the portfolio should remain in cash or cash equivalents, such as money market funds, to provide flexibility and allow investors to seize opportunities when they appear unexpectedly.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Follow trusted guidance<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Having the right mentor or source of guidance early can help young investors avoid rushing into markets<\/strong> before fully understanding risk or how investing actually works, Waly and Anwar tell us. Waly warns that many beginners are drawn toward speculation and \u201cword-of-mouth investing\u201d rather than informed decision-making. \u201cThey don\u2019t learn, or they don\u2019t have a mentor or advisor,\u201d Anwar notes, arguing that young investors should first understand money management, follow experienced investors, and invest in developing their own skills before taking larger financial risks.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Invest in what you understand first<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Investment decisions should be tied to what a person actually understands<\/strong>, rather than fixed formulas or trendy asset classes, Anwar says. Someone with a strong understanding of stocks or real estate can allocate more heavily toward those assets, while beginners may be better off starting with simpler and more liquid investments such as gold and silver until they build enough knowledge to expand into other areas, he suggests.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Start now<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>A young person beginning to invest between the ages of 16 and 20 generally has the advantage of time being on their side<\/strong>, Waly notes. \u201cThis, in turn, would entail looking more towards investing in assets such as equities or stock funds, while continuing to invest in this over time without being alarmed by market ups and downs,\u201d he adds.<\/p>\n\n\t<\/div><!-- .entry-content -->\n\n\t\n<\/article><!-- #post-${ID} -->\n\n\n    <div class=\"tags-section\">\n        <div class=\"f-graphik\">Tags:<\/div>\n        <div class=\"tags-list\">\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/investment\/\">investment<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                    <\/div>\n    <\/div>\n            <\/div>\r\n        <\/div> <!-- \/.story -->\r\n    \n    \n\n    <\/div>\n<\/div>\n<\/section>\n<section id=\"704267\" class=\"issue-section \">\n<div class=\"issue-section__content\">\n<div class=\"stories\">            <!-- Show divider before story section -->\r\n        <div \r\n            class=\"\r\n                story-section            \"\r\n            id=\"704267\">\r\n            \r\n                <div class=\"issue-story-header text-center\">\r\n                    <div class=\"index-number\">4<\/div>\r\n\r\n                    <p class=\"f-graphik\">A MESSAGE FROM CIB EGYPT<\/p>\r\n                    <h3 class=\"story-title\">\r\n                        <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-points-are-currency-treat-them-like-one\/\">\r\n                            Your points are currency, treat them like one                        <\/a>\r\n                    <\/h3>\r\n\r\n                    \r\n\t\t\t\t\t\n<div class=\"cta\">\n    <div class=\"cta__btn share-dropdown-cta dropdown-toggle-btn\" style=\"position:relative\">\n        <img decoding=\"async\" src=\"https:\/\/ent.news\/internal\/408834.svg\" alt=\"\">\n        Share Story\n        <!-- Dropdown Menu -->\n        <ul class=\"share-menu\">\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-points-are-currency-treat-them-like-one\/\" target=\"_blank\">\n                    Open in new tab                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/new-tab.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"#\" target=\"_blank\" onclick=\"event.preventDefault(); navigator.clipboard.writeText('https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-points-are-currency-treat-them-like-one\/')\">\n                    Copy Link                <\/a>\n\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-points-are-currency-treat-them-like-one\/\">\n                    Facebook                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/facebook-icon2.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/x.com\/intent\/post?text=Your points are currency, treat them like one&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-points-are-currency-treat-them-like-one\/\">\n                    X                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/twitter-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-points-are-currency-treat-them-like-one\/&title=Your points are currency, treat them like one\">\n                    LinkedIn                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/linkedin-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/api.whatsapp.com\/send?text=Your+points+are+currency%2C+treat+them+like+one+https%3A%2F%2Fenterpriseam.com%2Fegypt%2F2026%2F05%2F20%2Fyour-points-are-currency-treat-them-like-one%2F\">\n                    WhatsApp                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/whatsapp-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n        <\/ul>\n    <\/div>\n        <\/div>\r\n                    \r\n                <\/div>\r\n\r\n            \r\n            <div class=\"story__body\">\r\n\r\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-points-are-currency-treat-them-like-one\/\">\r\n                    <div class=\"photo photo--above\">\r\n                        <img decoding=\"async\" src=\"https:\/\/i0.wp.com\/ent.news\/ads\/imgs\/442.jpg?fit=1568%2C9999&amp;ssl=1\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" data-attachment-id=\"704268\" data-permalink=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-points-are-currency-treat-them-like-one\/442-jpg-28\/\" data-orig-file=\"https:\/\/i0.wp.com\/ent.news\/ads\/imgs\/442.jpg?fit=%2C&amp;ssl=1\" data-orig-size=\"\" data-comments-opened=\"0\" data-image-meta=\"[]\" data-image-title=\"442.jpg\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ent.news\/ads\/imgs\/442.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ent.news\/ads\/imgs\/442.jpg?fit=1024%2C1024&amp;ssl=1\" \/>                    <\/div>\r\n                <\/a>\r\n\r\n                \n<article id=\"post-704267\" class=\"content-area-description single-story post-704267 post type-post status-publish format-standard has-post-thumbnail hentry category-a-message-from-cib-egypt tag-a-message-from-cib-egypt tag-banking tag-cib wpautop entry\">\n\n\t\n\t<div class=\"entry-content\">\n\n\t\t\n\t\t<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Most people treat credit card points like a pleasant surprise: useful, but often used <\/strong><strong>without much planning. <\/strong>They should be treated more like a second currency: earned through spending that was already planned, redeemed only when the value makes sense, and never chased for the sake of it.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>That distinction matters to young professionals who are starting to travel more often, whether for business trips, weddings, international conferences, or holidays<\/strong>. <strong><a target=\"_blank\" href=\"https:\/\/www.cibeg.com\/en\/personal\/loyalty\/cib-explore\" style=\"\">CIB Explore<\/a><\/strong> was built around that travel reality, allowing eligible cardholders to earn EXPLORE points on local, international, and travel spend, then redeem those points for travel bookings and other options.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Financial discipline starts with planned spending. <\/strong>When regular costs are charged to the right card, they can generate future travel value. The return comes from checking whether those points are worth using for this flight, this hotel, or this booking, not holding them like souvenirs waiting for the perfect redemption later.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong><a target=\"_blank\" href=\"https:\/\/www.cibeg.com\/en\/personal\/loyalty\/cib-explore\" style=\"\">CIB Explore<\/a><\/strong><strong> gives users access to travel bookings across 600+ airlines and 200k+ hotels, along with point transfer options across leading loyalty programs. <\/strong>That breadth is useful, but it also makes the discipline more important: compare the points value with the booking price before redeeming, check the terms, and avoid treating points as though they cost nothing to earn. A flight paid for with points is only worth it if the points were worth using in the first place.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>The same logic applies to travel perks.<\/strong> The question is what they take off the bill, schedule, or planning load:<\/p>\n<ul>\n<li><strong>Costs avoided: <\/strong>Airport transfers through partners, including London Cab and Careem, hotel discounts, and included or discounted extra luggage on selected airlines.<\/li>\n<li><strong>Time saved: <\/strong>Fast-track services at Cairo International Airport and selected global airports, VIP Meet & Assist for eligible Wealth and Private customers, and lounge access through the Mastercard Travel Pass app.<\/li>\n<li><strong>Planning value: <\/strong>Annual flight ticket rewards when eligible cardholders meet the required annual spend threshold.<\/li>\n<li><strong>Flexibility:<\/strong> Redemption options that include travel bookings, e-vouchers, cashback, and charity for selected cards under the EXPLORE program.<\/li>\n<\/ul>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>The smartest way to use a rewards card is boring in the best possible way: match redemptions to real needs and keep spending tied to a budget, not incentives.<\/strong> Points should make planned spending work harder, not talk you into spending you hadn\u2019t planned.<\/p>\n\n\t<\/div><!-- .entry-content -->\n\n\t\n<\/article><!-- #post-${ID} -->\n\n\n    <div class=\"tags-section\">\n        <div class=\"f-graphik\">Tags:<\/div>\n        <div class=\"tags-list\">\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/a-message-from-cib-egypt\/\">A MESSAGE FROM CIB Egypt<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/banking\/\">banking<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/cib\/\">CIB<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                    <\/div>\n    <\/div>\n            <\/div>\r\n        <\/div> <!-- \/.story -->\r\n    \n    \n\n    <\/div>\n<\/div>\n<\/section>\n<section id=\"704269\" class=\"issue-section \">\n<div class=\"issue-section__content\">\n<div class=\"stories\">            <!-- Show divider before story section -->\r\n        <div \r\n            class=\"\r\n                story-section            \"\r\n            id=\"704269\">\r\n            \r\n                <div class=\"issue-story-header text-center\">\r\n                    <div class=\"index-number\">5<\/div>\r\n\r\n                    <p class=\"f-graphik\">Education<\/p>\r\n                    <h3 class=\"story-title\">\r\n                        <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/financial-literacy-101\/\">\r\n                            Financial literacy 101                        <\/a>\r\n                    <\/h3>\r\n\r\n                    \r\n\t\t\t\t\t\n<div class=\"cta\">\n    <div class=\"cta__btn share-dropdown-cta dropdown-toggle-btn\" style=\"position:relative\">\n        <img decoding=\"async\" src=\"https:\/\/ent.news\/internal\/408834.svg\" alt=\"\">\n        Share Story\n        <!-- Dropdown Menu -->\n        <ul class=\"share-menu\">\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/financial-literacy-101\/\" target=\"_blank\">\n                    Open in new tab                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/new-tab.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"#\" target=\"_blank\" onclick=\"event.preventDefault(); navigator.clipboard.writeText('https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/financial-literacy-101\/')\">\n                    Copy Link                <\/a>\n\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/financial-literacy-101\/\">\n                    Facebook                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/facebook-icon2.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/x.com\/intent\/post?text=! Financial literacy 101&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/financial-literacy-101\/\">\n                    X                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/twitter-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/financial-literacy-101\/&title=! Financial literacy 101\">\n                    LinkedIn                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/linkedin-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/api.whatsapp.com\/send?text=%21+Financial+literacy+101+https%3A%2F%2Fenterpriseam.com%2Fegypt%2F2026%2F05%2F20%2Ffinancial-literacy-101%2F\">\n                    WhatsApp                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/whatsapp-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n        <\/ul>\n    <\/div>\n        <\/div>\r\n                    \r\n                <\/div>\r\n\r\n            \r\n            <div class=\"story__body\">\r\n\r\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/financial-literacy-101\/\">\r\n                    <div class=\"photo photo--above\">\r\n                        <img decoding=\"async\" src=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1233.jpg?fit=1568%2C9999&amp;ssl=1\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" data-attachment-id=\"704270\" data-permalink=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/financial-literacy-101\/1233-jpg-37\/\" data-orig-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1233.jpg?fit=%2C&amp;ssl=1\" data-orig-size=\"\" data-comments-opened=\"0\" data-image-meta=\"[]\" data-image-title=\"1233.jpg\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1233.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1233.jpg?fit=1024%2C1024&amp;ssl=1\" \/>                    <\/div>\r\n                <\/a>\r\n\r\n                \n<article id=\"post-704269\" class=\"content-area-description single-story post-704269 post type-post status-publish format-standard has-post-thumbnail hentry category-education tag-education wpautop entry\">\n\n\t\n\t<div class=\"entry-content\">\n\n\t\t\n\t\t<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"> <strong><a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/in\/sagui-hamed-640b5222\/\" style=\"\">Sagui Hamed<\/a><\/strong> <strong> has spent 12 years advising clients on how to protect, grow, <\/strong><strong>and pass on their fortunes.<\/strong> As founder and CEO of <a target=\"_blank\" href=\"https:\/\/squarecapitalgroup.com\/\" style=\"\">Square Capital Group<\/a>, a Dubai-based boutique investment advisory and wealth management firm, she has built a practice around succession planning, family wealth structuring, and business institutionalization for ultra-high-net-worth clients across the GCC and Egypt.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Now she is turning her attention to a different clientele entirely: young professionals in their twenties and thirties who have money coming in and no idea what to do with it.<\/strong><\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">The trigger was a series of conversations with her children's friends, with young acquaintances, with the sons and daughters of her own clients \u2014 that revealed a pattern she found alarming. \u201cThey come to me and say they want to buy gold, or buy stocks, and they don't know where to start,\u201d she says. \u201cBut the deeper problem is that some of them don't even have a bank account. They have supplementary cards from their parents. They have never made a single financial decision on their own.\u201d<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>More troubling to Hamed than the knowledge gap was the mindset behind it.<\/strong> She traces the problem to a piece of parenting wisdom that is common in our culture: save so you can buy something nice. \u201cThat phrase is detrimental,\u201d she says. \u201cIf you instill a mindset that the purpose of money is to purchase things, then that is exactly what they will do for the rest of their lives. Nobody teaches them that money can be left alone, that it can grow, that it can be passed on.\u201d<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Hamed, who grew up the daughter of a banker, was trading on the Egyptian stock exchange before she turned 21.<\/strong> She began her career as a banker at CIB then moved on to investment banking at Pharos and NBK Capital in Kuwait. \u201cI\u2019ve come to realize that the way I was brought up was not the norm.\u201d<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Her financial literacy course is designed to close the knowledge gap.<\/strong> It is structured as 12 modules starting with very basic steps: opening multi-currency bank accounts if you don\u2019t already have them, opening a brokerage account, and progressing through asset classes, risk assessment, and portfolio construction. The 12 modules can be completed over an average of 3-months. <\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>The course, which will be offered under the Square Capital umbrella, is deliberately practical. <\/strong>Hamed has arranged for brokerage firms and banks to attend sessions and open accounts for participants on the spot. There are assignments like \u2018go make your first EGP 1k and report back.\u2019 She plans to run it as a mix of group sessions and one-on-one advisory, reflecting the reality that financial situations vary from one participant to the next. <\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>She walks students through asset classes beginning with cash and semi-cash instruments like blue-chip equities and bonds, moves into commodities such as gold and silver, then into real estate<\/strong> \u2014 including fractional ownership platforms that allow entry with minimal capital \u2014 and eventually into managed funds. The key metric, she stresses, is relative: \u201ca 15% annual return on EGP 10k matters just as much as a 15% return on one mn. And as your income grows, consumption should stay flat in absolute terms while your savings rate climbs. It can start with EGP 1k or EGP 1 mn,\" she says. \u201cThe important thing is the concept.\u201d<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>What makes the course distinctive is its insistence on regional specificity.<\/strong> Global personal finance principles, Hamed argues, can\u2019t be applied blindly in an Egyptian context. \u201cThe pound-denominated economy has its own dynamics. The brokerage infrastructure, the available fund products \u2014 gold and dollar funds, money market instruments \u2014 are local. You cannot apply anything from the Canadian or American market here,\u201d she says. \u201cThe laws are different, the currencies are different, the age requirements are different.\u201d<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Hamed is equally pointed about the advisory gap.<\/strong> At a certain level of wealth, she notes, banks should send a private banker to your door. Below that threshold, the \u201cwealth management\u201d on offer tends to amount to product-pushing \u2014 car loans, credit facilities, insurance packages sold without context. That is true anywhere in the world so you have to do your homework and know which questions to ask.\u201d<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>The course is, in part, her answer to that structural failure.<\/strong> She vehemently disagrees with the common generational critique that young people are lazy, that they hang out in cafes all day, that they are glued to their phones. \u201cI think the young generation is super smart and super equipped,\u201d she says. \u201cThey have all the tools in the world\u201d. <\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>\u201cThe same phone you use to impulse-buy online can be used to build a portfolio. <\/strong>The same digital fluency that makes you a competent consumer can make you a competent investor. The habit is identical, it is the direction that needs to change.\u201d Hamed calls the tech enabled ability to make and track investments within minutes by just tapping on your phone, \u2018impulse investing,\u2019 and she thinks it's a good thing.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>And the math is persuasive. \u201c<\/strong>Cut EGP 1,000 a day in discretionary spending \u2014 the coffee, the delivery orders, the impulse purchases \u2014 and you are saving EGP 30,000 a month. Compound that over a decade and the number is transformative. \u201cThe kids don't understand that small savings can make them a lot of money,\u201d Hamed says. \u201cBut they can.\u201d<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Hamed\u2019s financial literacy course is currently being piloted and will formally launch soon. <\/strong>She would like to eventually offer a wealth planning and succession course to cover sophisticated investors and inheritors of family wealth.<\/p>\n\n\t<\/div><!-- .entry-content -->\n\n\t\n<\/article><!-- #post-${ID} -->\n\n\n    <div class=\"tags-section\">\n        <div class=\"f-graphik\">Tags:<\/div>\n        <div class=\"tags-list\">\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/education\/\">Education<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                    <\/div>\n    <\/div>\n            <\/div>\r\n        <\/div> <!-- \/.story -->\r\n    \n    \n\n    <\/div>\n<\/div>\n<\/section>\n<section id=\"704271\" class=\"issue-section \">\n<div class=\"issue-section__content\">\n<div class=\"stories\">            <!-- Show divider before story section -->\r\n        <div \r\n            class=\"\r\n                story-section            \"\r\n            id=\"704271\">\r\n            \r\n                <div class=\"issue-story-header text-center\">\r\n                    <div class=\"index-number\">6<\/div>\r\n\r\n                    <p class=\"f-graphik\">A MESSAGE FROM GRANITE FINANCIAL HOLDING<\/p>\r\n                    <h3 class=\"story-title\">\r\n                        <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-first-portfolio-should-start-with-a-plan-not-a-guess\/\">\r\n                            Your first portfolio should start with a plan, not a guess                        <\/a>\r\n                    <\/h3>\r\n\r\n                    \r\n\t\t\t\t\t\n<div class=\"cta\">\n    <div class=\"cta__btn share-dropdown-cta dropdown-toggle-btn\" style=\"position:relative\">\n        <img decoding=\"async\" src=\"https:\/\/ent.news\/internal\/408834.svg\" alt=\"\">\n        Share Story\n        <!-- Dropdown Menu -->\n        <ul class=\"share-menu\">\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/your-first-portfolio-should-start-with-a-plan-not-a-guess\/\" target=\"_blank\">\n                    Open in new tab                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/new-tab.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"#\" target=\"_blank\" onclick=\"event.preventDefault(); 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The menu is endless, and the internet is always ready with a \u201ctop pick.\u201d The better question is: what role should each asset play in your financial life?<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Think of your money as a workforce.<\/strong> Gold is there to hold ground when the currency wobbles or inflation bites. Equities and real estate are built for longer horizons, rewarding patience more than timing. Startup investments, venture funds, private equity, or single-stock concentration sit at the riskier end of the portfolio. They can drive upside over time, but they should be sized so a loss does not compromise the broader plan. Then there is the role every first portfolio needs: the liquidity layer, money that stays on call for next month\u2019s rent, a planned obligation, or an emergency that has not yet arrived.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>A portfolio works best when not every asset is doing the same job at the same time.<\/strong> Some money needs to stay liquid. Some can take risks for long-term growth. Some may need protection from currency pressure or inflation. Once those roles are clear, the investment choices become easier to make.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>That is where <\/strong><strong><a target=\"_blank\" href=\"https:\/\/www.granite.eg\/\" style=\"\">GRANITE<\/a><\/strong><strong>\u2019s fully digital Money Market Account fits. <\/strong>It gives investors access to EGP T-Bills, with a one-month annualized return of 19%+ based on recent performance, without locking up their money. The account is designed to remove paperwork, branch visits, and complexity while keeping funds accessible. It can also serve as a holding tool for money that would otherwise sit idle while investors decide on a larger investment or wait for the right next opportunity. For the on-call part of a portfolio, liquidity has a clearer job: available when needed while still earning a return.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>That structure also changes how investors think about market swings.<\/strong> Growth assets can move sharply, but that risk is easier to manage when accessible money is held elsewhere. The point is to avoid being forced to sell long-term assets at the wrong moment because short-term liquidity was not planned properly.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Coherence is the test a first portfolio has to pass.<\/strong> GRANITE\u2019s role is to make the accessible part of that portfolio more deliberate, whether it is held for emergencies, planned obligations, or future investment decisions, so liquidity can support both protection and growth.<\/p>\n\n\t<\/div><!-- .entry-content -->\n\n\t\n<\/article><!-- #post-${ID} -->\n\n\n    <div class=\"tags-section\">\n        <div class=\"f-graphik\">Tags:<\/div>\n        <div class=\"tags-list\">\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/a-message-from-granite-financial-holding\/\">A MESSAGE FROM GRANITE FINANCIAL HOLDING<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/granite\/\">GRANITE<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                    <\/div>\n    <\/div>\n            <\/div>\r\n        <\/div> <!-- \/.story -->\r\n    \n    \n\n    <\/div>\n<\/div>\n<\/section>\n<section id=\"704273\" class=\"issue-section \">\n<div class=\"issue-section__content\">\n<div class=\"stories\">            <!-- Show divider before story section -->\r\n        <div \r\n            class=\"\r\n                story-section            \"\r\n            id=\"704273\">\r\n            \r\n                <div class=\"issue-story-header text-center\">\r\n                    <div class=\"index-number\">7<\/div>\r\n\r\n                    <p class=\"f-graphik\">Enterprise explains<\/p>\r\n                    <h3 class=\"story-title\">\r\n                        <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/can-money-market-funds-change-how-we-manage-cash\/\">\r\n                            Can money market funds change how we manage cash?                        <\/a>\r\n                    <\/h3>\r\n\r\n                    \r\n\t\t\t\t\t\n<div class=\"cta\">\n    <div class=\"cta__btn share-dropdown-cta dropdown-toggle-btn\" style=\"position:relative\">\n        <img decoding=\"async\" src=\"https:\/\/ent.news\/internal\/408834.svg\" alt=\"\">\n        Share Story\n        <!-- Dropdown Menu -->\n        <ul class=\"share-menu\">\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/can-money-market-funds-change-how-we-manage-cash\/\" target=\"_blank\">\n                    Open in new tab                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/new-tab.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"#\" target=\"_blank\" onclick=\"event.preventDefault(); navigator.clipboard.writeText('https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/can-money-market-funds-change-how-we-manage-cash\/')\">\n                    Copy Link                <\/a>\n\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/can-money-market-funds-change-how-we-manage-cash\/\">\n                    Facebook                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/facebook-icon2.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/x.com\/intent\/post?text=Can money market funds change how we manage cash?&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/can-money-market-funds-change-how-we-manage-cash\/\">\n                    X                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/twitter-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a target=\"_blank\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/can-money-market-funds-change-how-we-manage-cash\/&title=Can money market funds change how we manage cash?\">\n                    LinkedIn                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/linkedin-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/api.whatsapp.com\/send?text=Can+money+market+funds+change+how+we+manage+cash%3F+https%3A%2F%2Fenterpriseam.com%2Fegypt%2F2026%2F05%2F20%2Fcan-money-market-funds-change-how-we-manage-cash%2F\">\n                    WhatsApp                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/whatsapp-icon.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n        <\/ul>\n    <\/div>\n        <\/div>\r\n                    \r\n                <\/div>\r\n\r\n            \r\n            <div class=\"story__body\">\r\n\r\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/can-money-market-funds-change-how-we-manage-cash\/\">\r\n                    <div class=\"photo photo--above\">\r\n                        <img decoding=\"async\" src=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/198.jpg?fit=1568%2C9999&amp;ssl=1\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" data-attachment-id=\"704274\" data-permalink=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/can-money-market-funds-change-how-we-manage-cash\/198-jpg-46\/\" data-orig-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/198.jpg?fit=%2C&amp;ssl=1\" data-orig-size=\"\" data-comments-opened=\"0\" data-image-meta=\"[]\" data-image-title=\"198.jpg\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/198.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/198.jpg?fit=1024%2C1024&amp;ssl=1\" \/>                    <\/div>\r\n                <\/a>\r\n\r\n                \n<article id=\"post-704273\" class=\"content-area-description single-story post-704273 post type-post status-publish format-standard has-post-thumbnail hentry category-enterprise-explains tag-enterprise-explains tag-investment wpautop entry\">\n\n\t\n\t<div class=\"entry-content\">\n\n\t\t\n\t\t<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"> <strong>Money market funds explained: <\/strong>Money market funds have quietly gained some popularity among investment products in Egypt as high interest rates and fintech apps pull more savers into formal investment products. Unlike traditional savings accounts, money market funds pool investors\u2019 money into short-term debt instruments such as treasury bills, corporate debt, bank deposits, highly liquid fixed-income securities, and other money market funds.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>A money market fund is a low-risk mutual fund designed to preserve capital while generating daily yield<\/strong>. Instead of locking money into a long-term deposit, investors buy units in a professionally managed fund that continuously allocates capital across liquid instruments.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Money market fund vs fixed-income fund: <\/strong>Both invest mainly in debt instruments, but money market funds focus on short-term, highly liquid assets such as treasury bills and bank deposits, making them lower risk and easier to redeem quickly. Fixed-income funds can invest in longer-term government and corporate debt, offering potentially higher returns but with greater exposure to interest rate and market risk. In simple terms, money market funds are designed more for liquidity and capital preservation, while fixed-income funds target higher yields over longer periods.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>How the fund makes money: <\/strong>The fund manager pools money from thousands of investors and deploys it into short-term debt instruments such as treasury bills, bank deposits, repos, and short-duration debt securities. The returns generated from those instruments are reflected in the fund\u2019s net asset value, which is updated daily.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>What investors are actually buying:<\/strong> Investors do not directly own treasury bills or deposits inside the portfolio. Instead, they own units or certificates in the fund itself. The value of those units rises gradually over time as interest income accumulates.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>How the math works: <\/strong>Suppose an investor places EGP 100k into a money market fund offering an annualized yield of 20%. The return accrues daily rather than arriving as a fixed monthly payment. Over time, the investor\u2019s unit value rises gradually as the underlying instruments generate income.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Why this matters:<\/strong> Money market funds give retail investors access to institutional-grade fixed-income instruments that would otherwise require large ticket sizes or direct access to treasury markets. They also offer daily liquidity, making them more flexible than many traditional savings products.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Liquidity is the key selling point: <\/strong>Unlike certificates of deposit that typically lock money for one to three years, most money market funds allow investors to redeem within one or two working days. This makes them attractive for individuals and businesses managing short-term cash positions.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Why banks and fintechs care: <\/strong>Money market funds have become a major battleground for banks, brokerages, and fintech apps competing to capture idle cash balances. Digital onboarding and low minimum investment thresholds have expanded access to mns of first-time investors.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>A shift in saving behavior: <\/strong>Historically, many Egyptians relied mainly on long-term certificates of deposit or gold as means of liquid savings. High inflation and rising interest rates pushed savers toward products that preserve purchasing power while maintaining liquidity.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Interest rates drive everything:<\/strong> When interest rates rise, yields on treasury bills and deposits increase, boosting money market fund returns. When rates decline, yields gradually fall as older high-yield instruments mature and portfolios are reinvested at lower rates.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>The fee structure: <\/strong>Fund managers charge management fees that are deducted from returns. Investors therefore receive the net yield after fees and operating expenses are accounted for.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>How investors access the market: <\/strong>Investors can subscribe through banks, brokerage firms, asset managers, and increasingly through fintech apps that integrate money market funds directly into digital wallets and savings products. Almost every bank has a money market fund among its products, while major fintech apps in Egypt give you access to investing in one of the money market funds. Below are examples of money market funds offered in the local market:<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Fintech:<\/strong><\/p>\n<ul>\n<li><a target=\"_blank\" href=\"https:\/\/www.granite.eg\/fund\" style=\"\">Granite-EGP<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/azimut.eg\/fundpage;name=az-falyo-1\" style=\"\">AZ-Valu<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/halan.com\/investment-funds\/\" style=\"\">Halan Saving<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.menthum.com\/products\" style=\"\">Menthum Core<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/azimut.eg\/fundpage;name=az-nasr-2\" style=\"\">Az-Naser<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.fawry.com\/%E2%81%A0daily-interest-account\/\" style=\"\">Fawry Yawmy<\/a> <\/li>\n<\/ul>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Banks:<\/strong><\/p>\n<ul>\n<li><a target=\"_blank\" href=\"https:\/\/www.cibeg.com\/en\/personal\/funds\/osoul\" style=\"\">CIB - Osoul Fund<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.banknxteg.com\/en\/mutual-funds\/money-market\/money-market\/\" style=\"\">Bank NXT Money Market Fund<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.banquemisr.com\/ar-EG\/CAPITAL-MARKETS\/Mutual-Funds\/Fund_04?sc_lang=en\" style=\"\">Banque Misr Money Market Fund<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.nbe.com.eg\/NBE\/E\/#\/EN\/MultiArticle?inParams=%7B%22ArticleData%22%3A%22Articles%24MutualFundsServices%22%2C%22ArticleID%22%3A%224%22%7D\" style=\"\">National Bank of Egypt Money Market Fund<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.bdc.com.eg\/bdcwebsite\/personal\/funds\/bdc-second-fund.html\" style=\"\">Banque de Caire Second Fund<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.adib.eg\/personal-banking\/funds\/mmf\" style=\"\">ADIB - El Naharda Fund<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.hsbc.com.eg\/wealth\/money-market-fund\/\" style=\"\">HSBC Money Market Fund<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.qnb.com.eg\/sites\/qnb\/qnbegypt\/page\/en\/enthemarfunds.html\" style=\"\">QNB - Themar<\/a> <\/li>\n<li><a target=\"_blank\" href=\"https:\/\/scbank.com.eg\/funds.aspx\" style=\"\">Al Suez - Al Youmi<\/a> <\/li>\n<\/ul>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>What differentiates one fund from another? <\/strong>Even within money market funds themselves, there can be meaningful differences in:<\/p>\n<ul>\n<li>The fund\u2019s investment portfolio;<\/li>\n<li>Timing of yield accrual and payout;<\/li>\n<li>Fees and management costs;<\/li>\n<li>Minimum investment requirement;<\/li>\n<li>Ease of use through the app;<\/li>\n<li>Redemption speed.<\/li>\n<\/ul>\n\n\t<\/div><!-- .entry-content -->\n\n\t\n<\/article><!-- #post-${ID} -->\n\n\n    <div class=\"tags-section\">\n        <div class=\"f-graphik\">Tags:<\/div>\n        <div class=\"tags-list\">\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/enterprise-explains\/\">Enterprise Explains<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/investment\/\">investment<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                    <\/div>\n    <\/div>\n            <\/div>\r\n        <\/div> <!-- \/.story -->\r\n    \n    \n\n    <\/div>\n<\/div>\n<\/section>\n<section id=\"704275\" class=\"issue-section \">\n<div class=\"issue-section__content\">\n<div class=\"stories\">            <!-- Show divider before story section -->\r\n        <div \r\n            class=\"\r\n                story-section            \"\r\n            id=\"704275\">\r\n            \r\n                <div class=\"issue-story-header text-center\">\r\n                    <div class=\"index-number\">8<\/div>\r\n\r\n                    <p class=\"f-graphik\">Fintech<\/p>\r\n                    <h3 class=\"story-title\">\r\n                        <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-apps-reshaping-how-we-manage-money\/\">\r\n                            The apps reshaping how we manage money                        <\/a>\r\n                    <\/h3>\r\n\r\n                    \r\n\t\t\t\t\t\n<div class=\"cta\">\n    <div class=\"cta__btn share-dropdown-cta dropdown-toggle-btn\" style=\"position:relative\">\n        <img decoding=\"async\" src=\"https:\/\/ent.news\/internal\/408834.svg\" alt=\"\">\n        Share Story\n        <!-- Dropdown Menu -->\n        <ul class=\"share-menu\">\n            <li class=\"list-inline-item\">\n                <a 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size-post-thumbnail wp-post-image\" alt=\"\" data-attachment-id=\"704276\" data-permalink=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/the-apps-reshaping-how-we-manage-money\/1201-jpg-24\/\" data-orig-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1201.jpg?fit=%2C&amp;ssl=1\" data-orig-size=\"\" data-comments-opened=\"0\" data-image-meta=\"[]\" data-image-title=\"1201.jpg\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1201.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ent.news\/2026\/5\/1201.jpg?fit=1024%2C1024&amp;ssl=1\" \/>                    <\/div>\r\n                <\/a>\r\n\r\n                \n<article id=\"post-704275\" class=\"content-area-description single-story post-704275 post type-post status-publish format-standard has-post-thumbnail hentry category-fintech tag-fawry tag-fintech tag-halan tag-instapay tag-thndr wpautop entry\">\n\n\t\n\t<div class=\"entry-content\">\n\n\t\t\n\t\t<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"> <strong>More than ever before, consumers in Egypt now have the ability to track, move, access, <\/strong><strong>save, and invest money without leaving their seats.<\/strong> Fintech has become one of the fastest-growing and most innovative sectors in Egypt, as consumers search for tools that better fit their daily financial needs. Below, we break down some of the local and global fintech apps helping you manage and grow your money more seamlessly.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Money management<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>These apps do not hold your money but they help you understand where your money goes<\/strong> and how to manage budgets more effectively. The major names in this category are global platforms that have become core personal finance tools for mns of users worldwide.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong><a target=\"_blank\" href=\"https:\/\/www.realbyteapps.com\/#\" style=\"\">Money Manager<\/a><\/strong><strong>: <\/strong>One of the most widely used and straightforward expense-tracking apps. It allows you to track income and spending daily, monthly, annually, or for any period of time. It simply categorizes your spending across areas such as food, transportation, bills, and entertainment, while offering visual charts that break down income or expenses. You can also add notes and photos of receipts with each entry you added.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong><a target=\"_blank\" href=\"https:\/\/web.budgetbakers.com\/sign-in\" style=\"\">Wallet by Budget Bakers<\/a><\/strong><strong>: <\/strong>A more sophisticated budgeting app that allows users to plan future budgets and payment schedules. It offers flexible expense tracking, savings goals, and detailed financial reports. Wallet also categorizes spending into \u201cMust,\u201d \u201cNeed,\u201d and \u201cWant\u201d to help users better understand their spending behavior. Through Wallet you can also share your finances with your partner, family, or friends. <\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong><a target=\"_blank\" href=\"https:\/\/www.rocketmoney.com\/\" style=\"\">Rocket Money<\/a><\/strong><strong>: <\/strong>Similar to Money Manager and Wallet, Rocket Money is built around a freemium model. It offers core budgeting features with no charge, and is widely regarded as one of the easiest budgeting apps to set up and use, with a largely automated \u201cset it and forget it\u201d experience once spending rules and budget targets are configured. <\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Why it matters: <\/strong>Many consumers do not have a clear picture of where their money goes every month. As many experts recommend, the first step toward saving or investing starts with understanding spending habits before trying to increase income or grow wealth.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Money movement<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>This has become one of Egypt\u2019s fastest-growing fintech segments <\/strong>over the past few years, especially with the rise of instant payments, mobile wallets, and digital banking apps. The rise of money movement apps are giving mns of consumers and small businesses access to faster, cheaper, and more convenient financial services.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>InstaPay<\/strong><strong>: <\/strong>The Central Bank of Egypt\u2019s app emerged as the country\u2019s leading instant payments platform, giving non-cash transactions their biggest push yet. In its early years, the app allowed users to transfer money instantly and without charge between bank accounts around the clock, before later introducing fees \u2014 but only after \u201cInsta\u201d had already become part of our everyday vocabulary.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Vodafone Cash, Orange Cash, E& Money, and WE Pay: <\/strong>For years, mobile wallets have helped expand financial inclusion to mns of people without bank accounts, offering users an accessible way to transfer money, pay bills, make online purchases, and carry out cash deposits and withdrawals through their phones.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Mobile Banking apps: <\/strong>Mobile banking apps have increasingly become part of Egypt\u2019s money movement ecosystem rather than just account-management tools. Apps such as <strong>CIB Mobile Banking<\/strong> now allow users to transfer large amounts instantly between bank accounts across Egypt, with transfer limits reaching up to EGP 3 mn daily, significantly reducing the need for branch visits or traditional bank transfers.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Telda<\/strong><strong>: <\/strong>Combines a payment card with a financial app that allows users to transfer money, shop online, and manage day-to-day spending. Telda is primarily targeting younger consumers who are not bankable yet.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Coming soon: <\/strong>Homegrown fintech <strong><a target=\"_blank\" href=\"https:\/\/enterpriseam.com\/egypt\/2026\/04\/27\/kiwe-gets-central-bank-green-light-to-launch-nationwide\/\" style=\"\">Kiwe<\/a><\/strong> is preparing for its nationwide launch after securing final approval from the CBE. Developed in partnership with Banque Misr, Visa, Meeza, and ModuPay, Kiwe will allow users to send instant transfers, split bills, and track expenses and spending habits in real time through a single platform.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Money access<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Consumer and microfinance sectors are rapidly reshaping how mns of Egyptians borrow and spend<\/strong>. The sector\u2019s rapid growth is helping bring younger and previously underserved consumers into the formal financial system, while giving users faster and more convenient access to payments, financing, and money management tools.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Valu: <\/strong>One of Egypt\u2019s leading buy-now-pay-later and consumer financing platforms, allowing users to pay for purchases and services through installment plans across a broad merchant network.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Seven: <\/strong>Beltone Holding\u2019s Seven provides digital financing and installment solutions aimed at users seeking more flexible consumer finance products. It allows you to finance a wide range of products and services from home furnishing and solar panels to cars and education.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Halan: <\/strong>A super app offering financing, payments, and wallet services, with a strong focus on financially underserved consumers and small businesses. The platform combines BNPL, lending, bill payments, money transfers, and shopping in a single app, positioning itself as a one-stop financial platform for users outside the traditional banking system.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>ContactNow: <\/strong>The digital platform of Contact Financial Holding, integrates consumer financing, bill payments, ins., and BNPL into a single app. The platform enables users to secure credit, pay installments, track spending, and manage ins. without visiting a branch.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Fawry: <\/strong>Originally built as an electronic payments network before expanding into broader financial services, including lending, digital payments, and merchant solutions.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Money Fellows: <\/strong>Digitized the traditional rotating savings model known as a \u201cgameya,\u201d allowing users to save or access financing. The platform functions as a low-cost lending app, giving users access to relatively low-interest financing through structured digital savings groups.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Balancing growth risks: <\/strong>The sector\u2019s explosive growth is also raising questions about whether lending is expanding faster than some consumers can realistically sustain. The Central Bank of Egypt <a target=\"_blank\" href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/19\/cbe-tightens-oversight-on-nbfis-banking-amid-debate\/\" style=\"\">recently tightened oversight<\/a> on how banks fund non-bank financial institutions (NBFIs), amid growing debate over the rapid expansion of consumer lending apps and market-based finance. Industry executives and banking experts say stronger oversight and data-sharing standards will be important as the sector continues positioning itself as a major driver of financial inclusion and digital transformation.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Money growth<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Investing apps are reshaping how younger generations think about saving and building wealth<\/strong>, helping democratize access to products once associated mainly with banks and brokers by turning them into digital tools available through a smartphone. Fintech platforms are making it easier for first-time investors to access money market funds, stocks, fractional properties, and precious metals with smaller amounts of capital and lower barriers to entry, helping expand participation in formal financial markets.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Granite:<\/strong> A digital money market account that positions itself as a high-yield flexible alternative to bank accounts and CDs. It allows users to earn daily compounded returns and is licensed and regulated by the FRA and managed by professional fund managers.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Thndr:<\/strong> Played a major role in introducing a new generation of retail investors to the stock market and investment funds through a simplified digital investing experience with low entry barriers that attracted mns of users. The platform allows users to invest in stocks, treasury products, a wide range of mutual funds, and precious metals investment funds including Beltone\u2019s Sabayek and Fadda funds, as well as Azimut\u2019s gold investment fund.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>EFG Hermes One: <\/strong>EFG Holding\u2019s digital trading and investment platform that allows users to invest across the EGX, regional markets, and global exchanges through a single app. The platform offers access to stocks, mutual funds, market research, and multiple asset classes, targeting both first-time and experienced investors.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Bokra: <\/strong>A digital savings and investment platform focused on simplifying access to wealth-building tools for individuals and small businesses through goal-based investing and sharia-compliant financial products. The platform allows users to invest relatively small amounts across a range of assets including gold, sukuk, and real estate, while positioning itself as a lower-barrier entry point into formal investing.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Menthum: <\/strong>Offers digital savings and investment products across money market funds, fixed income, equities, and goal-based investing, allowing users to manage savings and investments through the app.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Mngm: <\/strong>Allows users to digitally buy, sell, store, and request delivery of gold and silver starting from as little as 0.1 gram. The platform focuses on fractional precious metals ownership, allowing users to gradually accumulate vaulted gold and silver backed by investment-grade bars stored in licensed and insured vaulting facilities, with the option to request physical delivery after reaching certain thresholds.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Sabika: <\/strong>Focuses on precious metals investing, benefiting from rising consumer demand for inflation hedges and value-preservation assets. The platform allows users to gradually buy, save, and accumulate physical gold and silver through a simplified mobile experience with relatively low entry barriers, helping attract younger first-time investors seeking alternatives to traditional savings instruments.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Nawy Shares: <\/strong>A fractional real estate investment platform that enables users to invest in shares of premium real estate units with relatively small amounts of capital. The platform aims to broaden access to real estate investing for segments that have been priced out of the market. The app offers installment plans instead of requiring the full investment amount upfront. <\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>SAFE:<\/strong> Madinet Masr\u2019s fractional property platform that allows investors to buy shares and earn yields and appreciate value. The app launched by offering investment shares in premium commercial and administrative properties across Cairo, most of which are leased in USD.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Valu: <\/strong>In addition to consumer financing, the fintech giant has expanded into savings and investment products aimed at helping users gradually build assets.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Halan: <\/strong>Expanded beyond financing and payments into products designed to encourage saving and investment among retail users.<\/p>\n\n\t<\/div><!-- .entry-content -->\n\n\t\n<\/article><!-- #post-${ID} -->\n\n\n    <div class=\"tags-section\">\n        <div class=\"f-graphik\">Tags:<\/div>\n        <div class=\"tags-list\">\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/fawry\/\">Fawry<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/fintech\/\">Fintech<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/halan\/\">Halan<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/instapay\/\">InstaPay<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/thndr\/\">Thndr<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                    <\/div>\n    <\/div>\n            <\/div>\r\n        <\/div> <!-- \/.story -->\r\n    \n    \n\n    <\/div>\n<\/div>\n<\/section>\n<section id=\"704277\" class=\"issue-section \">\n<div class=\"issue-section__content\">\n<div class=\"stories\">            <!-- Show divider before story section -->\r\n        <div \r\n            class=\"\r\n                story-section            \"\r\n            id=\"704277\">\r\n            \r\n                <div class=\"issue-story-header text-center\">\r\n                    <div class=\"index-number\">9<\/div>\r\n\r\n                    <p class=\"f-graphik\">ENTERPRISE RECOMMENDS<\/p>\r\n                    <h3 class=\"story-title\">\r\n                        <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/what-to-read-and-listen-to-if-you-want-to-invest-smarter\/\">\r\n                            What to read and listen to if you want to invest smarter                        <\/a>\r\n                    <\/h3>\r\n\r\n                    \r\n\t\t\t\t\t\n<div class=\"cta\">\n    <div class=\"cta__btn share-dropdown-cta dropdown-toggle-btn\" style=\"position:relative\">\n        <img decoding=\"async\" src=\"https:\/\/ent.news\/internal\/408834.svg\" alt=\"\">\n        Share Story\n        <!-- Dropdown Menu -->\n        <ul class=\"share-menu\">\n            <li class=\"list-inline-item\">\n                <a href=\"https:\/\/enterpriseam.com\/egypt\/2026\/05\/20\/what-to-read-and-listen-to-if-you-want-to-invest-smarter\/\" target=\"_blank\">\n                    Open in new tab                    <!-- <img decoding=\"async\" src=\"assets\/media\/placeholder\/svg\/new-tab.svg\" alt=\"\"> -->\n                <\/a>\n            <\/li>\n            <li class=\"list-inline-item\">\n                <a href=\"#\" target=\"_blank\" onclick=\"event.preventDefault(); 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The more regularly you engage with ideas around money and investing, the easier it becomes to make more informed financial decisions.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Two resources worth exploring: <\/strong>a podcast episode exploring how younger generations think about financial success in the age of social media and a book on the psychology behind money decisions. Together, they highlight an often overlooked reality: successful investing depends as much on behavior and consistency as it does on strategy.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>Start with a listen: <\/strong>One podcast episode with a genuinely different take on money and ambition is an episode of <a target=\"_blank\" href=\"https:\/\/www.youtube.com\/watch?v=KyfUysrNaco\" style=\"\">Modern Wisdom<\/a> featuring entrepreneur and investor Naval Ravikant. Rather than focusing on budgeting tips or stock-picking strategies, the conversation explores a broader question: why do so many young people feel financially behind even when they are earning more than previous generations?<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>A major theme throughout the episode is the impact of the internet and social media on how younger generations perceive success and wealth.<\/strong> Naval argues that constant exposure to curated lifestyles and visible wealth has distorted expectations around money, pushing many people toward short-term thinking, speculation, or the pursuit of \u201cquick wins\u201d rather than sustainable long-term growth.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>The episode also explores the idea that wealth today is increasingly tied to leverage, focus, and unique skills<\/strong> rather than simply working longer hours. Naval discusses how building rare expertise, developing independent thinking, and owning assets \u2014 whether equity, media, or businesses \u2014 matter more over time than chasing trends or constantly reacting to markets. For younger listeners trying to navigate careers, money, and ambition in a hyper-connected world, the episode offers a more reflective and unconventional perspective on financial success.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\">\n<p class=\"tag-border-left\">Understanding the psychology behind financial decisions<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>That is where the widely discussed <\/strong><strong><a target=\"_blank\" href=\"https:\/\/www.goodreads.com\/book\/show\/41881472-the-psychology-of-money\" style=\"\">The Psychology of Money<\/a><\/strong><strong> by Morgan Housel enters the picture.<\/strong> The book explores a different side of personal finance: the behaviors that shape how people make financial decisions. Rather than focusing on formulas or portfolio optimization, Housel argues that financial success is driven more by behavior than technical knowledge, and that the way people think about money often determines their long-term financial outcomes.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>One of the book\u2019s most memorable ideas is that wealth is largely invisible. <\/strong>Many people associate financial success with visible consumption \u2014 expensive cars, luxury homes, or an upgraded lifestyle. In reality, Housel writes, true wealth consists of assets that are not immediately visible, such as savings and investments that provide long-term financial independence.<\/p>\n<p style=\"padding:0;margin:0;line-height:1.15;orphans:2;widows:2;text-align:left\"><strong>The book also explores the power of compounding, <\/strong>arguing that consistent investing over long periods can produce significant results, but only if investors remain patient and avoid emotional decisions during market downturns. Panic selling or constantly changing strategies can interrupt the long-term compounding process that wealth creation depends on.<\/p>\n\n\t<\/div><!-- .entry-content -->\n\n\t\n<\/article><!-- #post-${ID} -->\n\n\n    <div class=\"tags-section\">\n        <div class=\"f-graphik\">Tags:<\/div>\n        <div class=\"tags-list\">\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/enterprise-recommends\/\">Enterprise Recommends<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                            <a rel=\"tag\" href=\"https:\/\/enterpriseam.com\/egypt\/tag\/financial-literacy\/\">Financial literacy<\/a>\n                <!-- <span class=\"sep\">,&nbsp;<\/span> -->\n                    <\/div>\n    <\/div>\n            <\/div>\r\n        <\/div> <!-- \/.story -->\r\n    \n    \n\n    <\/div>\n<\/div>\n<\/section>\n","protected":false},"featured_media":704261,"template":"","categories":[],"tags":[],"class_list":["post-704260","money-matters","type-money-matters","status-publish","has-post-thumbnail","hentry","wpautop","entry"],"acf":{"mongo_id":"7ddab767-405d-4bfb-8e9d-5de46646f618","teaser":"","photo_url":"https:\/\/ent.news\/2025\/11\/204.jpg"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - 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