1: Put a set amount of your paycheck by percentage into a savings account before you ever see it.

Aim for at least 10%, but if that's too much because our economy is fucked, do 1% of your take home pay. You make $500 a month, you put $5 a fucking month into a savings account.

If you can't do that out of your paycheck, find a way to take on an odd job to make up that difference.

It's stupid. It's tiny. It feels pointless.

It's incredibly important.

2: Learn how to live below your means. I don't care if you're a crypto millionaire or a homeless person living on the street, you have to find a way to live off of less than what you have and take the excess that you generate and put it into savings or investments of some type, something that can support you when shit gets bad bad.

3: When you find yourself with extra time, don't just sit around and binge watch TV or doom scroll.

Definitely get your binge watching and doom scrolling in at appropriate times, but if you find yourself with two or three hours with nothing to do, call up a friend and go try to hang out with them.

In your 20s, friends are popping out of the woodwork for you.

But only the ones that you cultivate and continuously put just a tiny little drop of effort into will still be there when you are 50 or 60.

And it's a lot of fun to hang out with your friends. It's far more rewarding than any doom-scrolling you will ever do.

If you find yourself without friends, for whatever reason, try to find something new to do that takes place in a specific location on a regular schedule.

Nothing makes friends faster than repeated interaction over a period of time.