The other pieces of advice are all good resources. Something that I am learning is that sometimes the "financial planning" advice you see has the goal of maximi

The other pieces of advice are all good resources. Something that I am learning is that sometimes the "financial planning" advice you see has the goal of maximizing $$$. Realize that it is your money and you can spend it how you want to. With that said, be realistic about the trade offs you make, you can spend $30 on food and $10 on coffee every day if you want or you can buy a $30k car in cash in three years if you eat on $10 a day[0]. Good financial planning allows YOU to make informed decisions about YOUR money. [0] ($30 (expensive food) + $10 (coffee) - $10 (cheap food)) * 365 (days in a year) * 3 (years) = $32,850 That is almost a Tesla Model 3 ($35k standard)