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The three most important personal factors that affect my financial planning decisions are going to be my age, career choice and my health.

Now I’m 23 which means that I’m just at the beginning of accumulating my assents and I’m not getting paid much.

My career choice is most likely to influence my income as well as the duration of my career, health and employment risks associated with this.

After all, my health luckily doesn’t take too much to spend on it at the present time.

The three most important economic factors that affect my financial planning decisions are going to be currency value, business cycles and customer prices.

I get paid in Russian rubles which is quite an unstable currency due to the Russian economy often depends on oil prices and international economic relations with the USA and the EU.

This means that my plans for abroad adventures ( once whey would be possible ) mostly depend on the value of the ruble against the dollar and euro.

I’m currently working in a B2B sector which means when the economy is in its contraction phase my salary is ”in danger”.

Since businesses tend to reduce their expenses during that period they could refuse the services the company I work for provides.

This means my return on investment of my labor decreasing and I rather have to work more to get the same amount of money or simply get paid less.

And the last, customer prices are an obvious factor that affects my financial planning decisions.

When prices for goods are rising because of inflation and my purchasing power declining then I have cut back on spendings or save less than I did before.

This, in turn, postpones the day of achievement of my mid-term and long term plans