3. Start Saving

Of course, all the helpful advice in the world wonโ€™t do you much good if you donโ€™t ideally start saving at least 10-15 percent of your income, which can be adjusted over time depending upon your personal circumstances.

Save too little, and you wonโ€™t be setting yourself up for a secure future, but save too much, and you could find yourself lacking the cash savings you need now or down the road for things like buying a home and dealing with unexpected emergencies.

And start early, preferably as soon as you start working, as youโ€™ll be surprised at how quickly the money can add up.

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