Some random thoughts: Start your retirement account/s early and continue to fund them without tapping in to them, even if the amounts seem ridiculously small. Later in life, you will be ecstatic with yourself. Avoid credit card debt at all costs--just don't do it.Keep track carefully of what you're using your credit card for, and treat it like plutonium, like it could blow you up at any minute. If you do finance a car (just starting out, you might have to), buy a Mustachian car and put a lot of effort into paying it off ASAP. A good, used car that you pay cash for may be the better option, but make sure it is a safe car. I would try to go ahead and (in a Mustachian way) do all the fun things you could not afford or did not have time to do because you were studying. Avoid risky behaviors, though, and as you build your after-college relationships, look for basically half-way decent people to build friendships and relationships with. Avoid losers hanging onto your coattails. I think that if you do some of the things on your fun bucket list while you are single and not responsible for anybody but yourself, you will be happier in later life. I always felt sorry for people who felt trapped by their mortgages/marriages/kids/whatever--and had never taken the opportunities to do things they really wanted to do, when perhaps they could have.