at your first job, start contributing to a 401k at 3%. every time you get a raise, half the raise % goes to making the 401k % higher
use store credit cards and gas station credit cards only, no visa or MC.
Home equity loans should only get taken out for improvements on the house
have all your children close together and get it over with instead of spreading out diaper changing over 10 years
daily driver cars are utility items, buy something brand new but the cheapest damn thing you can. Save buying a nice car for a spare car
Good stuff!
Never move in with your girlfriend. Relationships of convenience often result in unplanned pregnancy. Unplanned pregnancy irreversibly alter your future potential in more ways than you can count.
Reconcile your issues issues with your dysfunctional family of origin as soon as possible before your past relationships issues become your present relationships issues.
Forgive your mother and father for the mistakes they made raising you. You are destined to make many of the same mistakes yourself and know how and why they did.
Don't take personally the mistakes (divorce, abuse, abandonment) your parents made.
Refrain from substance use and abuse. Alcohol, marijuana, cocaine and methamphetamine use has never ever resulted in any positive result or outcome in any area of my life...ever!
Keep your body reasonably sexually pure. Avoid pornography and sexual deviancy. There are things you can never unsee and never undo that will influence your marriage bed and intimacy in ways that can be very harmful and painful to both you and your wife.
