1. Learn to Budget Before Your Bank Teaches You the Hard Way

Your first real paycheck feels like winning the lottery—until rent, bills, food, and a random emergency drain it dry. That’s why learning to budget early is a lifesaver. Apps like Mint or YNAB make it less painful. Start with the 50/30/20 rule: 50% needs, 30% wants, 20% savings or debt payoff. Budgeting isn't about being boring—it's about keeping your money from ghosting you halfway through the month.

2. Credit Cards Aren’t Evil—But They Can Be Dumb

Credit cards can build your credit or wreck it. The trick? Treat them like a debit card. Never spend more than you can pay off in full every month.