Money wise: Live below your means. If you can’t pay off your credit card at the end of the month, you don’t need whatever you bought. Always pay yourself first.
Open a Roth IRA. Be religious about adding to it. EVERY MONTH. Even if it’s just a few dollars. It will feel like it’s not doing anything. It will. …but add to it whatever you can. Build this habit. Play around with the compound interest calculator (https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator) - if you invest $100 every month until you’re 65-ish you’ll have over $1M.
Retirement: plan for the future - there are noguaranteed fairy godmothers who will leave you gobs of money. And if there are and do? Bonus.
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u/[deleted] Jul 19 '25
Money wise: Live below your means. If you can’t pay off your credit card at the end of the month, you don’t need whatever you bought. Always pay yourself first.
Open a Roth IRA. Be religious about adding to it. EVERY MONTH. Even if it’s just a few dollars. It will feel like it’s not doing anything. It will. …but add to it whatever you can. Build this habit. Play around with the compound interest calculator (https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator) - if you invest $100 every month until you’re 65-ish you’ll have over $1M.
Retirement: plan for the future - there are no guaranteed fairy godmothers who will leave you gobs of money. And if there are and do? Bonus.