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Forget one piece!
Put money into your 401k. Learn more about personal finance than video games. Lift heavy things with proper form and put them back down again a lot. Give all people respect and kindness even if they’re being snotty. Brush your god damn teeth.
Always out matching money into your 491k.
As someone who thought they couldnt afford it. I could have. Just do it. I regret not doing it sooner so much.