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I have one:
Start an IRA/Retirement fund NOW. I am only 22 and people are surprised that I am already putting money away. However, when I am 65, that money is MINE. You can get a traditional IRA or a Roth IRA; both give you money in the end, but young people are usually swayed toward Roth IRAs because you get more money over a long period of time. I don't have 401K at my job, so I just have $50 put away each month and it comes straight out of my account. When I get a better job, I will probably up the withdrawl, but I will need all the money I can when I am older to pay for medical insurance. So start now.
I also have a savings account. I am allowed to withdraw from it, but I try not to unless it's a big emergency. You can opt to have some of your paycheck be deposited into your savings account. It limits some of your spending.
I think something that has kept me level headed is that I don't have a major credit card (Macy's doesn't count...). It might hinder me if I decide to ever buy a home, but for now, I'd rather not have one.
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