Family & Cross-Border Reality

In many cultures, the "U.S. Dream" means sending money home. However, you must do this in a way that doesn't leave you broke in a high-cost country.

• Instead of sending money whenever someone asks, set a fixed amount (like 5% or 10% of your paycheck). This makes your budget predictable.
• Use low-fee apps like Wise or Remitly. Banks often hide high fees in the "exchange rate." Saving $20 on every transfer adds up to $240 a year!

Free Resource: Sending Money Home: Remittances and Supporting Family