Lewis Howes

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.

Download the EveryDollar app, list out your income, list out all of your expenses.

You don't have to spend six hours whittling away at an Excel spreadsheet.

All it is is saying, hey, here's how much is coming in.

Here's how much is going out.

Am I happy with that?

Are there any tweaks I'd like to make so that future me is proud of myself?

Instead of going, man, I made great money.

I got a raise last year and I didn't feel it at all.

You took on a bigger payment.

You spent more on eating out.

And so, you know, you give yourself the wiggle room, you're going to take it.

And so adding that friction back in by staying on a budget, taking debt off the table, and investing early through a tax-advantaged retirement account like a Roth IRA...

I don't see how you couldn't have a life of financial freedom and peace.

What's the budget app again, you guys?

Yeah, EveryDollar.com or you can go to your app store, Google Play and get it.