The Basics: Where Your Money Should Go

Before you do anything else, understand your take home pay. That's what actually hits your bank account after taxes and deductions. Base all your planning on that number, not your salary.

The First Priorities

If your employer offers a 401k match, contribute at least enough to get the full match. That's free money. After that, build a small emergency fund of $1,000 to $2,000.

Avoid the Common Traps

Lifestyle inflation is real and it's fast. Don't buy a car just because you can get approved. Keep your rent under 30% of take home pay.

Start Tracking Now

The habit of knowing where your money goes is easier to build when you have less of it. Start using Spendify now.