{"id":201,"date":"2025-07-30T14:48:50","date_gmt":"2025-07-30T14:48:50","guid":{"rendered":"https:\/\/techsmoney.com\/?p=201"},"modified":"2025-07-28T14:50:39","modified_gmt":"2025-07-28T14:50:39","slug":"what-is-financial-literacy-and-why-should-you-care","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/vi\/what-is-financial-literacy-and-why-should-you-care\/","title":{"rendered":"Ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh l\u00e0 g\u00ec v\u00e0 t\u1ea1i sao b\u1ea1n n\u00ean quan t\u00e2m?"},"content":{"rendered":"<p>Trong th\u1ebf gi\u1edbi ng\u00e0y nay, vi\u1ec7c qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u0169ng quan tr\u1ecdng nh\u01b0 vi\u1ec7c ki\u1ebfm ti\u1ec1n. Tuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi r\u1eddi gh\u1ebf nh\u00e0 tr\u01b0\u1eddng m\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c h\u1ecdc c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch, ti\u1ebft ki\u1ec7m hay \u0111\u1ea7u t\u01b0. \u0110\u00f3 ch\u00ednh l\u00e0 l\u00fd do t\u1ea1i sao <strong>ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh<\/strong> xu\u1ea5t hi\u1ec7n. Nh\u01b0ng n\u00f3 th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a g\u00ec v\u00e0 t\u1ea1i sao n\u00f3 l\u1ea1i c\u1ea7n thi\u1ebft cho cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y c\u1ee7a b\u1ea1n?<\/p>\n\n\n\n<p>Cho d\u00f9 b\u1ea1n m\u1edbi b\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh t\u00e0i ch\u00ednh hay \u0111ang c\u1ed1 g\u1eafng \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh t\u1ed1t h\u01a1n, hi\u1ec3u bi\u1ebft v\u1ec1 ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh l\u00e0 b\u01b0\u1edbc n\u1ec1n t\u1ea3ng \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t t\u01b0\u01a1ng lai an to\u00e0n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p>V\u1ec1 b\u1ea3n ch\u1ea5t, <strong>ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh<\/strong> l\u00e0 kh\u1ea3 n\u0103ng hi\u1ec3u v\u00e0 s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 c\u00e1c k\u1ef9 n\u0103ng t\u00e0i ch\u00ednh kh\u00e1c nhau. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m l\u1eadp ng\u00e2n s\u00e1ch, ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0, hi\u1ec3u bi\u1ebft v\u1ec1 n\u1ee3 v\u00e0 hi\u1ec3u bi\u1ebft chung v\u1ec1 c\u00e1ch th\u1ee9c v\u1eadn h\u00e0nh c\u1ee7a ti\u1ec1n b\u1ea1c.<\/p>\n\n\n\n<p>C\u00f3 hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh ngh\u0129a l\u00e0 c\u00f3 ki\u1ebfn th\u1ee9c v\u00e0 s\u1ef1 t\u1ef1 tin \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t v\u1ec1 ti\u1ec1n b\u1ea1c, c\u1ea3 trong ng\u1eafn h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1c th\u00e0nh ph\u1ea7n ch\u00ednh c\u1ee7a ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L\u1eadp ng\u00e2n s\u00e1ch<\/strong>: Bi\u1ebft c\u00e1ch l\u1eadp k\u1ebf ho\u1ea1ch v\u00e0 qu\u1ea3n l\u00fd thu nh\u1eadp v\u00e0 chi ph\u00ed c\u1ee7a b\u1ea1n<\/li>\n\n\n\n<li><strong>Ti\u1ebft ki\u1ec7m<\/strong>: D\u00e0nh ti\u1ec1n cho nh\u1eefng nhu c\u1ea7u trong t\u01b0\u01a1ng lai ho\u1eb7c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p<\/li>\n\n\n\n<li><strong>\u0110\u1ea7u t\u01b0<\/strong>: T\u0103ng ti\u1ec1n c\u1ee7a b\u1ea1n th\u00f4ng qua nhi\u1ec1u c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c nhau<\/li>\n\n\n\n<li><strong>Qu\u1ea3n l\u00fd n\u1ee3<\/strong>: Hi\u1ec3u v\u1ec1 t\u00edn d\u1ee5ng, kho\u1ea3n vay, l\u00e3i su\u1ea5t v\u00e0 tr\u1ea3 n\u1ee3<\/li>\n\n\n\n<li><strong>K\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh<\/strong>: \u0110\u1eb7t ra m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau \u0111\u00f3<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">T\u1ea1i sao ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh l\u1ea1i quan tr\u1ecdng?<\/h2>\n\n\n\n<p>Ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh gi\u00fap m\u1ecdi ng\u01b0\u1eddi c\u00f3 kh\u1ea3 n\u0103ng:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u0110\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t<\/h3>\n\n\n\n<p>Khi b\u1ea1n hi\u1ec3u c\u00e1c kh\u00e1i ni\u1ec7m t\u00e0i ch\u00ednh, b\u1ea1n s\u1ebd \u00edt c\u00f3 kh\u1ea3 n\u0103ng b\u1ecb l\u1eeba b\u1edfi c\u00e1c giao d\u1ecbch l\u1eeba \u0111\u1ea3o ho\u1eb7c b\u1ecb l\u1eeba \u0111\u1ea3o. B\u1ea1n s\u1ebd bi\u1ebft c\u00e1ch \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n chi ti\u1ebft trong h\u1ee3p \u0111\u1ed3ng vay, hi\u1ec3u r\u00f5 c\u00e1c lo\u1ea1i ph\u00ed v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Tr\u00e1nh b\u1eaby n\u1ee3<\/h3>\n\n\n\n<p>Nhi\u1ec1u ng\u01b0\u1eddi r\u01a1i v\u00e0o v\u00f2ng lu\u1ea9n qu\u1ea9n s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c vay n\u1ee3 m\u00e0 kh\u00f4ng hi\u1ec3u r\u00f5 h\u1eadu qu\u1ea3. Ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh s\u1ebd d\u1ea1y b\u1ea1n c\u00e1ch l\u00e3i su\u1ea5t g\u1ed9p v\u00e0 c\u00e1ch tr\u00e1nh n\u1ee3 l\u00e3i su\u1ea5t cao.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. X\u00e2y d\u1ef1ng an ninh t\u00e0i ch\u00ednh<\/h3>\n\n\n\n<p>Cho d\u00f9 l\u00e0 t\u1ea1o qu\u1ef9 kh\u1ea9n c\u1ea5p hay ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed, ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh s\u1ebd cung c\u1ea5p cho b\u1ea1n nh\u1eefng c\u00f4ng c\u1ee5 \u0111\u1ec3 b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n tr\u01b0\u1edbc nh\u1eefng s\u1ef1 ki\u1ec7n b\u1ea5t ng\u1edd trong cu\u1ed9c s\u1ed1ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u0110\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau cu\u1ed9c s\u1ed1ng<\/h3>\n\n\n\n<p>B\u1ea1n mu\u1ed1n mua nh\u00e0? Kh\u1edfi nghi\u1ec7p? Du l\u1ecbch v\u00f2ng quanh th\u1ebf gi\u1edbi? Ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh s\u1ebd gi\u00fap b\u1ea1n \u0111\u1eb7t ra v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau \u0111\u00f3 b\u1eb1ng c\u00e1ch h\u01b0\u1edbng d\u1eabn b\u1ea1n c\u00e1ch qu\u1ea3n l\u00fd v\u00e0 sinh l\u1eddi ti\u1ec1n b\u1ea1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Gi\u1ea3m c\u0103ng th\u1eb3ng<\/h3>\n\n\n\n<p>Ti\u1ec1n b\u1ea1c l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n h\u00e0ng \u0111\u1ea7u g\u00e2y c\u0103ng th\u1eb3ng. Khi b\u1ea1n bi\u1ebft c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, b\u1ea1n s\u1ebd c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 an t\u00e2m v\u00e0 c\u1ea3m gi\u00e1c ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng l\u0129nh v\u1ef1c chung m\u00e0 m\u1ecdi ng\u01b0\u1eddi thi\u1ebfu hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh<\/h2>\n\n\n\n<p>Ngay c\u1ea3 nh\u1eefng ng\u01b0\u1eddi th\u00f4ng minh c\u0169ng c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n v\u1edbi ti\u1ec1n b\u1ea1c n\u1ebfu h\u1ecd ch\u01b0a bao gi\u1edd h\u1ecdc c\u00e1ch qu\u1ea3n l\u00fd n\u00f3. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c m\u00e0 ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh th\u01b0\u1eddng thi\u1ebfu:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nh\u1eefng \u0111i\u1ec1u c\u01a1 b\u1ea3n v\u1ec1 l\u1eadp ng\u00e2n s\u00e1ch<\/h3>\n\n\n\n<p>Nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng bi\u1ebft c\u00e1ch l\u1eadp ho\u1eb7c tu\u00e2n th\u1ee7 ng\u00e2n s\u00e1ch, d\u1eabn \u0111\u1ebfn chi ti\u00eau qu\u00e1 m\u1ee9c v\u00e0 h\u1ed7n lo\u1ea1n v\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hi\u1ec3u v\u1ec1 t\u00edn d\u1ee5ng<\/h3>\n\n\n\n<p>Bi\u1ebft c\u00e1ch t\u00ednh \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 c\u00e1ch x\u00e2y d\u1ef1ng t\u00edn d\u1ee5ng t\u1ed1t l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n, thu\u00ea c\u0103n h\u1ed9 v\u00e0 th\u1eadm ch\u00ed l\u00e0 m\u1ed9t s\u1ed1 c\u00f4ng vi\u1ec7c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0110\u1ea7u t\u01b0 cho t\u01b0\u01a1ng lai<\/h3>\n\n\n\n<p>M\u1ecdi ng\u01b0\u1eddi th\u01b0\u1eddng tr\u00e1nh \u0111\u1ea7u t\u01b0 v\u00ec h\u1ecd ngh\u0129 r\u1eb1ng n\u00f3 qu\u00e1 r\u1ee7i ro ho\u1eb7c ph\u1ee9c t\u1ea1p. Nh\u01b0ng vi\u1ec7c kh\u00f4ng \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t r\u1ee7i ro l\u1edbn h\u01a1n theo th\u1eddi gian.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu\u1ea3n l\u00fd n\u1ee3<\/h3>\n\n\n\n<p>N\u1ebfu kh\u00f4ng c\u00f3 ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n, b\u1ea1n r\u1ea5t d\u1ec5 s\u1eed d\u1ee5ng sai m\u1ee5c \u0111\u00edch th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c vay ti\u1ec1n sinh vi\u00ean m\u00e0 kh\u00f4ng hi\u1ec3u \u0111\u01b0\u1ee3c nh\u1eefng t\u00e1c \u0111\u1ed9ng l\u00e2u d\u00e0i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 c\u1ea3i thi\u1ec7n ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p>Tin t\u1ed1t l\u00e0 g\u00ec? B\u1ea1n c\u00f3 th\u1ec3 h\u1ecdc \u0111\u01b0\u1ee3c ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh b\u1ea5t k\u1ec3 tu\u1ed5i t\u00e1c hay ho\u00e0n c\u1ea3nh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u0110\u1ecdc s\u00e1ch v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/h3>\n\n\n\n<p>M\u1ed9t s\u1ed1 t\u1ef1a s\u00e1ch tuy\u1ec7t v\u1eddi d\u00e0nh cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Cha gi\u00e0u cha ngh\u00e8o<\/em> b\u1edfi Robert Kiyosaki<\/li>\n\n\n\n<li><em>S\u1ef1 thay \u0111\u1ed5i to\u00e0n di\u1ec7n v\u1ec1 ti\u1ec1n b\u1ea1c<\/em> b\u1edfi Dave Ramsey<\/li>\n\n\n\n<li><em>Ti\u1ec1n c\u1ee7a b\u1ea1n hay cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n<\/em> b\u1edfi Vicki Robin<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Theo d\u00f5i c\u00e1c blog v\u00e0 podcast t\u00e0i ch\u00ednh \u0111\u00e1ng tin c\u1eady<\/h3>\n\n\n\n<p>C\u00f3 c\u1ea3 m\u1ed9t th\u1ebf gi\u1edbi ki\u1ebfn th\u1ee9c mi\u1ec5n ph\u00ed tr\u00ean m\u1ea1ng. H\u00e3y t\u00ecm nh\u1eefng ng\u01b0\u1eddi s\u00e1ng t\u1ea1o t\u1eadp trung v\u00e0o gi\u00e1o d\u1ee5c h\u01a1n l\u00e0 qu\u1ea3ng c\u00e1o th\u1ed5i ph\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Tham gia c\u00e1c kh\u00f3a h\u1ecdc tr\u1ef1c tuy\u1ebfn<\/h3>\n\n\n\n<p>C\u00e1c trang web nh\u01b0 Coursera, Khan Academy ho\u1eb7c th\u1eadm ch\u00ed ng\u00e2n h\u00e0ng c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c kh\u00f3a h\u1ecdc mi\u1ec5n ph\u00ed v\u1ec1 ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n v\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. S\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 l\u1eadp ng\u00e2n s\u00e1ch v\u00e0 t\u00e0i ch\u00ednh<\/h3>\n\n\n\n<p>C\u00e1c \u1ee9ng d\u1ee5ng nh\u01b0 Mint, YNAB v\u00e0 EveryDollar c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n theo d\u00f5i chi ti\u00eau v\u00e0 tu\u00e2n th\u1ee7 k\u1ebf ho\u1ea1ch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. N\u00f3i v\u1ec1 ti\u1ec1n b\u1ea1c<\/h3>\n\n\n\n<p>H\u00e3y tr\u00f2 chuy\u1ec7n c\u1edfi m\u1edf v\u1edbi b\u1ea1n b\u00e8 ho\u1eb7c ng\u01b0\u1eddi th\u00e2n \u0111\u00e1ng tin c\u1eady. B\u1ea1n s\u1ebd h\u1ecdc h\u1ecfi \u0111\u01b0\u1ee3c t\u1eeb th\u00e0nh c\u00f4ng v\u00e0 c\u1ea3 sai l\u1ea7m c\u1ee7a ng\u01b0\u1eddi kh\u00e1c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh trong th\u1eddi \u0111\u1ea1i s\u1ed1<\/h2>\n\n\n\n<p>Th\u1eddi \u0111\u1ea1i k\u1ef9 thu\u1eadt s\u1ed1 khi\u1ebfn vi\u1ec7c qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n v\u00e0 ph\u1ee9c t\u1ea1p h\u01a1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nh\u1eefng c\u01a1 h\u1ed9i<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u1ec5 d\u00e0ng truy c\u1eadp v\u00e0o c\u00e1c c\u00f4ng c\u1ee5 l\u1eadp ng\u00e2n s\u00e1ch v\u00e0 \u0111\u1ea7u t\u01b0<\/li>\n\n\n\n<li>\u1ee8ng d\u1ee5ng chuy\u1ec3n ti\u1ec1n v\u00e0 thanh to\u00e1n t\u1ee9c th\u1eddi<\/li>\n\n\n\n<li>Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">R\u1ee7i ro<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u0103ng nguy c\u01a1 b\u1ecb l\u1eeba \u0111\u1ea3o v\u00e0 l\u1eeba \u0111\u1ea3o<\/li>\n\n\n\n<li>D\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng v\u00e0 chi ti\u00eau theo \u00fd mu\u1ed1n<\/li>\n\n\n\n<li>Qu\u00e1 nhi\u1ec1u l\u1eddi khuy\u00ean, m\u1ed9t s\u1ed1 trong \u0111\u00f3 l\u00e0 t\u1ec7<\/li>\n<\/ul>\n\n\n\n<p>C\u00f3 hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh c\u00f3 ngh\u0129a l\u00e0 bi\u1ebft c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 m\u1ed9t c\u00e1ch kh\u00f4n ngoan \u0111\u1ed3ng th\u1eddi tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng nguy hi\u1ec3m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Suy ngh\u0129 cu\u1ed1i c\u00f9ng: Trao quy\u1ec1n cho b\u1ea3n th\u00e2n th\u00f4ng qua ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh<\/h2>\n\n\n\n<p>B\u1ea1n kh\u00f4ng c\u1ea7n ph\u1ea3i l\u00e0 thi\u00ean t\u00e0i to\u00e1n h\u1ecdc \u0111\u1ec3 qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c, b\u1ea1n ch\u1ec9 c\u1ea7n th\u00f4ng tin ph\u00f9 h\u1ee3p v\u00e0 s\u1eb5n s\u00e0ng h\u1ecdc h\u1ecfi.<\/p>\n\n\n\n<p>Ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 ho\u00e0n h\u1ea3o. M\u00e0 l\u00e0 s\u1ef1 ch\u1ee7 \u0111\u1ed9ng. M\u1ed7i l\u1ea7n b\u1ea1n \u0111\u1ecdc m\u1ed9t b\u00e0i b\u00e1o t\u00e0i ch\u00ednh, theo d\u00f5i chi ti\u00eau ho\u1eb7c \u0111\u1eb7t ra m\u1ee5c ti\u00eau, b\u1ea1n \u0111ang ti\u1ebfn m\u1ed9t b\u01b0\u1edbc t\u1edbi s\u1ef1 \u0111\u1ed9c l\u1eadp t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p>H\u00e3y b\u1eaft \u0111\u1ea7u t\u1eeb nh\u1eefng \u0111i\u1ec1u nh\u1ecf nh\u1eb7t. H\u1ecdc h\u1ecfi trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n. V\u00e0 h\u00e3y nh\u1edb r\u1eb1ng khi b\u1ea1n hi\u1ec3u \u0111\u01b0\u1ee3c c\u00e1ch th\u1ee9c v\u1eadn h\u00e0nh c\u1ee7a ti\u1ec1n b\u1ea1c, <strong>b\u1ea1n ki\u1ec3m so\u00e1t n\u00f3<\/strong> ch\u1ee9 kh\u00f4ng ph\u1ea3i ng\u01b0\u1ee3c l\u1ea1i.<\/p>","protected":false},"excerpt":{"rendered":"<p>Trong th\u1ebf gi\u1edbi ng\u00e0y nay, vi\u1ec7c qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u0169ng quan tr\u1ecdng nh\u01b0 vi\u1ec7c ki\u1ebfm ti\u1ec1n. Tuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi r\u1eddi gh\u1ebf nh\u00e0 tr\u01b0\u1eddng m\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c h\u1ecdc c\u00e1ch l\u1eadp ng\u00e2n s\u00e1ch, ti\u1ebft ki\u1ec7m hay \u0111\u1ea7u t\u01b0. \u0110\u00f3 ch\u00ednh l\u00e0 l\u00fac ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh ph\u00e1t huy t\u00e1c d\u1ee5ng. Nh\u01b0ng ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a g\u00ec v\u00e0 t\u1ea1i sao n\u00f3 l\u1ea1i c\u1ea7n thi\u1ebft cho cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y c\u1ee7a b\u1ea1n? Cho d\u00f9 b\u1ea1n m\u1edbi b\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh t\u00e0i ch\u00ednh hay... <a title=\"Ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh l\u00e0 g\u00ec v\u00e0 t\u1ea1i sao b\u1ea1n n\u00ean quan t\u00e2m?\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/vi\/what-is-financial-literacy-and-why-should-you-care\/\" aria-label=\"\u0110\u1ecdc th\u00eam v\u1ec1 What Is Financial Literacy and Why Should You Care?\">\u0110\u1ecdc ti\u1ebfp<\/a><\/p>","protected":false},"author":2,"featured_media":202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[16,10,7,15],"class_list":["post-201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-beginners","tag-for-beginners","tag-golden-tips","tag-money","tag-tips"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/comments?post=201"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/201\/revisions"}],"predecessor-version":[{"id":203,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/posts\/201\/revisions\/203"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media\/202"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/media?parent=201"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/categories?post=201"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/vi\/wp-json\/wp\/v2\/tags?post=201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}