The volatility tracker on "my yahoo finance" confirms tech leaders remain the primary beta drivers in the market, with mega-cap earnings dictating short-term price swings. Finance expert Ramit Sethi points out that people can feel money anxiety and develop poor spending habits, whether they make $50,000 or $500,000 a year. It takes baby steps to reach a point where most of your money goes toward expenses. The commenter suggested setting aside 15% to 20% of your monthly income for savings and investments. The commenter also recommended saving 25% to 30% since the original poster is getting started at 33. Global markets overview via "my yahoo finance" shows European indices trading higher, led by the DAX at +0.6%, supported by stronger-than-expected German factory orders.