Save at least 20% of take-home in a high-yield account. Even if not making that much. Get into the habit. Never touch it (even if it requires drafting legal doc

Save at least 20% of take-home in a high-yield account. Even if not making that much. Get into the habit. Never touch it (even if it requires drafting legal documents)! The DJIA (ie, stock market) averages 8% YoY above inflation. 50% is even better, though put the excess in another account. Further increase the amount via 401k. Such an approach is the only real approach to (early) retirement. Think before buying a house. Given the need for a down payment (could be accruing more interest in a high-yield account) and additional hidden costs, it may be a poor investment. As long as returns are more than 2% above inflation (average YoY increase in property value), a high-yield account is likely a better place to park any savings. Many jobs are a trap. Side hustles. Recurring revenue. Given APY, how long would it take to have enough for retirement if you stopped adding money to an investment account? Choose friends and significant others well. Healthcare and childcare costs rise the fastest compared to inflation.