Personal Finance After 2020: Rebuilding Savings in Lebanon

The financial habits that worked before 2019 don't all map onto today's economy. This article focuses on rebuilding without taking on excessive risk.

Set a fresh baseline

List every monthly inflow and outflow in the currency you actually receive it. Forget what things "should" cost — start from reality.

Keep two emergency buckets

Hold a small LBP buffer for everyday expenses and a larger fresh-USD buffer for unexpected medical or travel costs.

Diversify carefully

If you have access to international brokerage accounts, avoid concentrating savings in a single asset class. A simple split of cash, broad equity, and fixed income remains a sound default.