 What five pieces of money advice do I wish I knew before entering adulthood? Start saving early and more importantly, invest early, learn how to invest and invest in smart things. Do your research. The second thing is budgeting shouldn't be boring. Budgeting should be what am I going to spend something on that I really, really want, but you got to make sure you can afford it and don't buy it straight away. Third thing is emergency funds are essential. So you need to save up a nest egg of money for the worst case scenario. That's when you can't make any more money or you're injured so you can't work. You need to have something in the bank. I have $20,000 sitting there. I never touch it unless it's an absolute emergency. Number four, credit is a double-edged sword. Yes, it can help you get something sooner, but man, you're paying more than you need to and it just adds up in the end and it's not worth it. Finally, invest in yourself. Invest in your education. Obscure yourself. Go learn something that makes you better in the field that you're in. Promise you it will pay dividends.