Why should you even tip? I never understood the tipping concept in North America.

• Bought a stacked townhouse 3bed/1bath in May 2022. Peak market - paid high price.
• Was single when purchased - went through a phase of depression. Didn't have the mind-space to rent out the other room(s)/ share space with anyone. 1 bedroom remains untouched.
• fast forward July 2023. Interests rates up by 43.7% since May 2022. Half my pay goes to mortgage.
• fundamental problem: lacking seriousness about personal finance.

How do I get out of this state of mind and get serious about taking accountability with personal finance.

So much of information everywhere - it's overwhelming for someone like me who's looking forward to getting started on generating wealth through investing.

Where do I start with investing. Is there a flowchart for that just like the one for general PF?

It would be helpful to have this info in the community info section..and is there any way to make a sticky thread in Lemmy?