In my early 20s, I lived in New York and made $36,000 a year. Needless to say, most of my money went to essentials; saving for retirement was not high on my to-do list.
Everyone has a moment where some missing piece of financial knowledge clicks into place. For me, it was a simple choice my dad set up for me when encouraging me toI was just a few years out of college, making $36,000 a year at a writing job I'd recently left the service industry for.
My incorrect assumption was that I had plenty of time to start saving, but thankfully, my dad started to get impatient after a few years. Observing how much of my focus and funds were going toward just keeping my head above water, with no thought of the future, he made me an extremely generous offer designed to change the way I thought about money.My birthday was approaching, and he and my stepmom were planning on gifting me money, he told me. The catch was, the specific amount was up to me.
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