Personal Finance

Until recently, buying a home was the cornerstone of the American Dream for young people, but soaring housing prices have forced a shift in strategy. Instead of mortgages, Gen Z is increasingly turning to trading apps and long-term investments in stocks and pension accounts, while delaying family milestones and living with parents to build capital.

There is no single amount that suits everyone, but there are factors that will help you find a balance between liquidity, security, and yield.

23-year-old Ofek Geva has worked from a young age in his family's confectionery in Ashkelon, and invested everything he saved at age 18 in the stock market. It ended in a painful loss. After studying the field during his military service, he returned to invest with clear rules: long holding period and high risk.

Financial experts call it "frugality that has become cool again," and this time it involves a series of small habits that are supposed to change your financial picture over time. But what is really behind the trend, and why is it catching on right now?

Credit cards are often seen as a tool for expense control, but the "fixed charge" feature hides an expensive revolving credit. Here is why installments and deferred payments are economically disadvantageous.

The number of installment transactions rose by 64% compared to June 2025, with the total volume jumping by 79%, according to data from Menora ERN. While installment payments are not inherently problematic, it is crucial to determine whether this reflects sound financial management or merely a deferral of current cash flow issues to future months.