When it comes to financial advice, I tell people the following: 1. Live within your means. Spend less than you earn. But it's okay to take a vacation and splu

When it comes to financial advice, I tell people the following: 1. Live within your means. Spend less than you earn. But it's okay to take a vacation and splurge a little, too. Or if you need to buy something like a suit that stretches you a bit think of it as an investment for your career. 2. Use credit cards responsibly. They can be great for their rewards programs, but you can easily get into trouble with them. Be very careful. 3. From a financial perspective, it's never too early to think about retirement. Take advantange of your employer's 401k program if it's offered. Additionally, setup and contribute to a Roth IRA retirement fund through Vanguard or Fidelity. 4. Buying a house makes sense as a long-term investment. Location will primarily determine how good of an investment it will be (which sometimes is hard to predict into the future). 5. In terms of what to invest in, buy a low-cost index fund from Vanguard or Fidelity (e.g. S&P 500) and make monthly or quarterly contributions to it. And don't touch it (i.e. sell), especially in a downturn.