Introduction
Your paycheck is a powerful tool—if you direct it intentionally.
1) No Budget
Without a plan, lifestyle creep wins. Give every dollar a job.
2) Saving What’s Left
Reverse it: save first, spend what’s left.
3) Ignoring Insurance
One incident can erase years of savings. Cover health, term life, and disability.
4) Not Investing Early
Compounding rewards the early and consistent.
5) Debt Minimums Only
Pay more than the minimum on high‑interest balances.
6) No Emergency Buffer
Cash prevents using credit in crises.
7) Not Tracking Benefits
Use employer matches, HSA/FSAs, and reimbursements.