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Okay, here’s an explanation of the above! What would you add?

Know Your Worth - Negotiate Salaries and Raises: Don’t settle for less. Always ask for what you’re worth!

Learn The Tax Code: Never Overpay Uncle Sam: Learn the basics so you’re not giving the IRS more than you have to.

Avoid Lifestyle Inflation or Stay in Rat Race: Don’t let your spending blow up just because you’re making more. You’ll stay broke.

Finesse Credit Cards or They’ll Finesse You: Use credit cards smartly, or they’ll end up costing you way more.

Start a Side Biz: 1 Income Is Too Close to 0: A side hustle can be a lifesaver. Don’t rely on just one paycheck.

Invest in Skills, Education, and Your Health: Put time and money into leveling up and taking care of yourself—it always pays off.

Crush High Interest Debt or Drown in It: Pay off that high-interest debt ASAP, or it’ll keep you stuck forever.

Buy a Used Car and Drive It Forever: Get a good used car and keep it running. Don’t waste money on a new one. I’ve been driving the same used car for 12 years.

Invest in Your Retirement Accounts: Keep putting money in those retirement accounts so you’re set later. Thank me later.

Limit Unnecessary Subscriptions: Cancel those random subscriptions that are just draining your bank account. If you miss them, subscribe again. Chances are, you won’t.

Pull Your Credit Report Annually: Check your credit report every year so you’re not blindsided by any surprises.

Automate Savings and Investing: Set it and forget it. Automatic transfers make saving and investing a breeze.

Contribute to an HSA (if it makes sense for you): Put money in an HSA—it’s a tax hack and a backup for medical costs.


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