Script Pipeline

If I was to a year old, here's five many things I would do right now to get ahead with money. Number one, I would open a high-o savings account and a checking account. The high-o savings account needs to have at least 3.5% APY, and the checking account needs to have no monthly maintenance fees and no minimal balance. Number two, I would open a credit card that doesn't have an annual fee, and possibly a cashback credit card instead of a points credit card, only because are you really traveling that much in your 20s right now? I would only use it for a couple of bills, and I would automate payments. And this is because you need to learn how to use credit cards before you actually use them all the time. Number three, I would open a Roth IRA, and I would try to max it out every single year. Right now, the max is $7,000, and I would invest in index fund, which is a group of companies instead of individual stocks. Number four, I would save $5,000, and this is to prove to myself that I know how to save money. And plus, that can be your mini emergency fund. And number five, I would stop telling myself that I have time because every single time you do that, you put it off. Instead, do it now because time will pass, and you want to get started before this.