[–]seandealan 3 points 52 minutes ago  Richest Man in Babylon: 20% to debts, 33% to savings (10% takes too long :-) ) permalinksavereportgive goldreply [–]BestBuy45[S] 1 point 49 minutes ago  Duly noted, thanks! permalinksaveparentreportgive goldreply [–]seandealan 1 point 43 minutes ago  read the book if you haven't, it's awesome and is a very quick read. permalinksaveparentreportgive goldreply [–]Voerendaalse 2 points 25 minutes ago  I would knock some sense into myself. At age 20 I was studying and my parents were helping me pay for it. I spent a lot of money on things that weren't necessary (luxurious food, lots of trips, gifts for friends). When I was 25 and had finished my studies, I kept spending all my income. I didn't get my "lightbulb" moment until age 28 or so. If 20-year-old me had started tracking her expenses and had started making some choices there (one trip per year, smaller gifts to friends, learn how to cook more diverse meals for less, etc), then I would be way ahead of where I am now at age 36. permalinksavereportgive goldreply [–]yoooooohoooooooooooo 1 point 26 minutes ago  Not a single thing. I believe in living life to the fullest. Sure, I got into some debt, but I got out of it - and it taught me how to live more within my means. And I did everything I wanted and always took care of myself. Your bank account means absolutely nothing when you're dead. But that doesn't mean you should spend everything so you don't have something for the time that you are alive. Create a solid balance of earning, spending, and saving and you'll be just fine :) permalinksavereportgive goldreply [–]Improvinator 1 point 24 minutes ago  Pay yourself first. Set your paycheck to autodeposit 5% into a savings account before you even notice it's gone. When you don't notice it's gone, bump it to 10%. permalinksavereportgive goldreply [–]president_of_derp 1 point 19 minutes ago  Stop smoking so much fucking weed, go back to school right then, and not drink so much. Life was a big ol' party until the bills started coming in. permalinksavereportgive goldreply [–]jdoe74United States 1 point 17 minutes ago  Emergency fund. Never carry a credit card balance. permalinksavereportgive goldreply [–]LumpyLump76 1 point 17 minutes ago  Buy Apple stocks at $10. Buy Microsoft at the first day price of $27. permalinksavereportgive goldreply [–]Cae73 1 point 7 minutes ago  Bought a nicer house in a better area. Not sold a few stocks that have done much better after I exited them. Would not have wasted money on stupid impulse purchases. Would have taken better care of my health which would have allowed me to apply for better jobs. A bout of laziness has been my downfall. permalinksavereportgive goldreply

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damm this shit got depresing fast