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In a recent video interview with 24 heures, Benjamin Croitoru, Associate Professor of Finance and Associate Dean of Undergraduate Programs at McGill Desautels, shared valuable insights on navigating financial challenges amidst the economic uncertainties of 2024. Addressing the impact of high inflation and the looming possibility of a recession, Croitoru underscored the importance of avoiding common financial pitfalls. He suggests not to buy into the hype of novel investments like cryptocurrency, as, in the past, people who have piled into new types of investments have often lost out in the end. Additionally, small savings are nothing to sneeze at. Over time, little purchases add up, for example $10 per day spent at a local coffee shop adds up into real money. Similarly, management fees add up. Over time, the 2% fees charged by mutual funds eat in to your returns. Invest in exchange traded funds (ETFs) instead, advises the Director of the McGill Personal Finance Essentials program.