While you’re young build your credit. I’ve said this example on here several times but here is how.
get low ticket items (a 1000 necklace, 1000 couch, etc) on credit, make the minimum balance for 5 months and pay it off on month 6. Do that twice a year for two years and you’ll have all good marks on your credit for: opening lines of credit, paying on time, early resolution of debts. If you have no/little credit, it’ll jump in those two years
you’ll live longer than your 20s so be malleable while you can. Don’t settle down and have kids, explore the world, take shytty jobs with upside, grind while you’re young, get the doctorate etc. it only gets harder as you get older
Find a partner you’ll be intensely sexually attracted to. Men will work harder to keep someone they think is “better than them” it’ll keep you happy and you’ll always pursue her.
MOVE. Be reliant on your own. The only way to get savvy is to have to rely on yourself to survive
that’s it