With investing, the most important decision you make is not which stock you pick but whether you invest in stocks at all, or bonds, and cash, and other broad categories of investments (called “asset classes”). This big picture decision is called “asset allocation”.

I’ve met several people who believe that student loans are a way of life. And they believe that they will die with their student loans by their side. They have no hope in paying them off early, but instead pay their monthly minimums and continue on with their lives.

You finally build up the strength to open it and quietly scream “No! Stop!” You have insurance. It comes out of your paycheck every month. Why do you still owe $170 for a 5-minute appointment with your doctor who barely looked at you?

About a year ago, I realized that if I pushed myself — got a bit uncomfortable to save and earn more while spending less — I could hit six-figures saved by the end of my 25th year. I turn 26 in July 2021, so the countdown is on!

It can be incredibly stressful to figure out how you’re going to participate in everything, while also staying on budget. In preparation for your holiday celebrations, here are tips and tricks I use to get organized and save money.