this post was submitted on 03 Oct 2023
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When you're making a budget don't plan to spend everything you make. You will always be out of money if you do that.
And for heaven's sake, start an investment retirement account now. Yeah, I know, "but I'm not making enough, but there's that shiny thing in the (online) store window, but I'm never going to get old." Just allot one take-out coffee's worth of spare change per week. You can up the ante later. Let the miracle of compound interest do its thing.