"How you manage $100 is likely how you'll manage $100,000," she says. "You're the same person with the same attitude, and the same behaviors and habits. It's not about getting more money. It's about being more disciplined with the money you have."
Plus, she adds, "when I earn more" isn't a date of action. "Someday is not a day on the calendar. We really have to do a better job of buckling down and saying 'I'm ready to take action.'"Don't wait until the new year, after graduation, for a birthday, or when a tax refund arrives in the mail to start saving.pay every month, like rent and your cell phone bill — before you spend on dinners out and other "wants.
from your checking account to a savings account — this way, you'll never even see the money and will learn to live without it.can't wait, no matter how far off it may seem. If you're putting it off, you're not alone: A third of Americans have $0 saved for retirement, according to
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