There is no hope without a revolution.

But also whenever you get a raise or pay off a loan take the majority of that money you would have added to your regular paycheck and put it in your superannuation (or your country's equivalent retirement fund) as an automatic deduction. That way you're saving without feeling the pinch of giving something up.

Also once you reach an age you start dealing with funerals you'll realise how nightmarish and expensive that whole process is, so get a proper legal will made up.

Don't listen to anyone born before 1980. They don't live in the same world as you.

Drinking water and mountain home meals. I'm afraid their value will skyrocket sooner than later.

• Marry someone rich.

• Get lucky

• Don't have health problems

• Don't have children (even if you find someone rich)

• Win the lottery (backup for if you can't marry someone rich)

• Get out of the usa

• Don't eat anything approved for eating in the usa

• Exercise

Cheap used EVs are great, but if you are still in college, you don’t need that much range, so a beater leaf is even cheaper.

Your refusal to go into credit card debt in your 20s was great. Continue not fucking doing that.

Denying every indulgence makes you explode in spending desperation once you eventually get a windfall. Instead, ration indulgences, don’t forbid them. Get familiar with “this was expensive. I shouldn’t do that often.” It will make resisting temptation much easier with the new shiney XL+909T comes out when you’re older.

money (you need enough) so keep dollar cost averaging into ETF, don't forget the world is a big place, so international as well and consider the debasement trade.

Switch to income investing when you "retire", don't try and time markets.

https://www.youtube.com/channel/UCuNKV0CMgcVUiJNdA-JNlJA

https://www.youtube.com/channel/UCxU4PhPfJEBgaeYT1rMhvCg

and physical health ; no smoking, no drinking, moderate cardio (running cycling etc) and lift weights to help prevent muscle loss and osteo.

and mental health: hike, enjoy the woods, spend time with friends and family you care for

Am 61, retired at 40 , gf is 57.

Lots of good tips in here already.

I would recommend checking out The Money Guys or Caleb Hammer on YouTube for some great tips with actionable goals.

Lose fat and build muscle. You will be more financially stable when you’re healthy.

Get out of the U.S.

"Don't believe sermons, fairy tales, or stories about money."

I’m over 50 so apparently I don’t count. But if I did I would say maximize salary. Live below your means. Invest because compound interest is your biggest ally.

lol don't ask us. we're just as fucked as you. :\

Get in the habit of wearing a backbrace. When you move something heavy, when you work in the yard, whenever you need to bend or twist a lot. Backbrace.

Your teeth and feet are hopefully with you for life. Take care of them.

Don't. Just don't. Ever.

No matter what the situation, you're not financially behind yet, but if nothing changes in 10 years, you will be.

Save and invest. If you don't have at least $200k net worth by the time you're 40, you're probably never going to retire.

Don't worry about money, worry about your health. Form the habits now, and stick with them.

Everyone will tell you that, and you'll just ignore them, we all know it. But, we feel like we should say it anyway.

It's really fucking important. Far more important than money.

Don't smoke, don't drink, learn composting, grow a garden and learn foraging.

Don't assume the future will be better than the past

401k now.

HSA > 401k > Roth or backdoor your Ira. High yield savings changes every time you can get an extra half point of interest.

Do not, I repeat do not touch your fucking hsa unless you absolutely must and are dead dying on the ground. Take out a small loan before you touch your hsa. A little interest will be cheap as fuck compared to a years loss of hsa funds.

Look at how much fees cost. They are sneaky. Vanguard is the standard with low cost target date and index funds.

do not fuck with day trading unless you feel like gambling

Just do all the crazy shit. You live only once and soon your back will ache every day.

Daily intermittent fasting is a great way to save on your food and toilet paper expenditure.