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What Society Failed To Teach You About Money:

1. DON'T LIVE ABOVE YOUR MEANS
After all, it’s said that one of the most prevalent spending categories of those under the age of 35…is convenience. This can force you to become reliant on keeping a steady stream of income - even if that means you’re working a job you don’t really like and that's NOT where you want to be early in your career.

2. BE CAREFUL WITH STUDENT LOAN DEBT
What most people don’t realize is that the amount of time and money needed to pay off debt, while starting out a career on the lower end of the pay grade, can set you back DECADES in terms of building your wealth.

3. RECOGNIZE THAT EVERYTHING IS NEGOTIABLE
For example, when you’re starting a career…work from home, health insurance, vacation, salary, and benefits are ALL up to you to discuss - and, the more leverage you have, the more likely you are to get them approved. The fact is, you’ll NEVER GET what you don’t ASK FOR - and, I don’t think many people really how far a polite request really goes.

4. BUILD OR IMPROVE YOUR CREDIT SCORE
Your credit history in your late teens to early 20s is going to help you tremendously in the future…. anytime you want to buy or rent a house, a car, obtain a business loan, and negotiate terms from the standpoint that - you’re a responsible borrower who always pays on time - plus, it’s incredible easy to do.

5. KEEP TRACK OF YOUR FINANCES
First, I’d immediately recommend signing up for a free budgeting software to aggregate all of your accounts and itemize everything in one place. Second - review ALL of your spending throughout the last 60 days. Third - itemize all of your expenses into two categories: One is NON-NEGOTIABLE, MUST-HAVE MANDATORY SPENDING…and the second is DISCRETIONARY SPENDING. Fourth, cut back on your DISCRETIONARY SPENDING and, negotiate down your MANDATORY SPENDING, if at all possible.

6. DON'T FORGET TO CONTRIBUTE TO YOUR RETIREMENT ACCOUNTS.
You can basically get 40 years for your investments to grow into something massive, simply because you have time on your side, working in your favor.

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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/

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