Lewis Howes

It's just harder the older you get.

So when 20-year-olds go, man, I'm so dumb, I go, great, you got it over with early.

Now you got the rest of your life to make wise decisions.

Yeah.

Okay.

Number one, take that off the table.

Mortgage excluded.

But if you can take that off the table and say, I'm not gonna have a credit card, I'm not gonna go into credit card debt, I'm gonna avoid a car payment by saving up and paying cash, upgrading over time, your life will be so much better than all of your peers who got there faster.

It's the hair, they have the nicer car before you did, but man, when you got there,

It was so well earned and you got peace the whole way there.

So taking that off the table would be number one.

Number two would be investing in a Roth IRA.

That is after-tax money that grows tax-free and you don't have to pay Uncle Sam ever again.

That to me is the greatest life hack.

Meaning, you could have $2 million of net income

because it's in a Roth IRA and it doesn't take much.

A hundred bucks a month at 20 will get you there versus you have to spend hundreds more as you get older.

So maxing out a Roth IRA is a life hack.

If you can do that, the sooner the better, you're gonna retire with dignity, taking debt off the table.

And lastly would be the budget.