Debt management

I know, right. It sounds so IMPOSSIBLE. But really, it literally just starts with a change jar or a $50 savings account start-up. if it sits without anything added to it for some time, no worries. if you add some change when you break a dollar, cool. If you deposit or transfer $5 or $10 when you pay your bills or deposit your check great. The point is to establish a pattern or habit of paying yourself first. 

That's a concept that took me far too long to understand. Don't do what I did and wait till you are 40 to start thinking seriously about your future. As your baby nest egg grows, you will find more ways to add to the value of your time and future. you are worth it. Don't sell yourself out. LIVE LONG AND PROSPER, CHILD!