What are the 4 principles of finance?

I still remember the first time I tried to manage my money seriously. I had saved a small amount and felt confident, but within a few months, most of it was gone. Not because I spent it on anything big, but because I had no clear plan. I did not understand how money grows, how risk works, or even how to control my daily spending. At one point, I even started searching for finance tutors near me because I realized I needed proper guidance.
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