To Do:
- Make monthly contributions to a retirement savings plan
- Establish a savings pattern
- Set an emergency savings goal of 2-3 months of your living expenses, and aim to reach it.
- Track your spending and create a budget: expenses < income
- Be cautious with credit cards - only spend what you can pay off monthly
- Keep up with student loan payments
- Write down your short and long-term goals, and review them on a regular basis