37、Don't Get a Credit Card

38、If I didn't get a credit card when I was your age, I would have saved myself 10 years of financial struggle.

39、I know it seems like you have to be a grown up and have nice things, but you've got to think long-term. If you can just have the patience to hold off a few years on the nice stuff, you'll be able to afford more of it than you can imagine.

40、Buying something today on credit because you can't wait will impact your financial situation for years to come.

41、Simply have the mind to save up for what you want to buy. If you buy with cash, you'll always own what you have, and be free to do what you want.

42、When people build up debt and monthly payments, they become slaves to their job. They have to work to pay for all the junk that they put on their credit cards.

43、Put Money Away Every Month

44、Take this advice and you'll never regret it. Open a savings account and set up an automatic withdrawal from your checking account each month. Don't touch the money, NO MATTER WHAT!

45、Even if you can only afford $10 a month, you must stick to this plan because it's your ticket to freedom. In five or ten years (whenever you decide to grow up), you'll use this money to invest in something that makes passive income, like real estate  .