Build up an emergency savings
By now you’ve probably heard how important it is to have an emergency savings. Separate from your retirement endeavors, this account is solely for the just in case–that is unexpected twists and turns life will deliver. Most recommend having at least six months worth of income saved, but that number continues to climb as job security has quickly become a thing of the past. Even if this sounds like a foreign concept to you, make the decision today to put away everything you can (after you pay your bills of course) for an emergency.