Here are some general rules of thumbs and fiscal goals you should work towards to improve your quality of life.

1) Pay off your highest intrest debts first

If you owe $20 at 120% its worth paying that first over say $1000 with 2%. Seems counter intuative but this approach saves the most money

2) buy property

This should be a long term goal. Eventually paying off a recidence will allow you to stretch out your pension in later life and an asset to sell if you require expensive care.

3) change jobs every 2-5 years

Depending on circumstance its recomended to change jobs every now and then this provides two benefits. An instant payrisr in most cases and an increase in your hireabity due to increased expirence. Always keep in touch with previous compaines to build rapore.

4) save a years wages

This makes the biggest impact in your life overall. The knowledge you are fully independant. Flexible. Unemployment protected. Changes your life you can make greater risks and get those higher rewards.

5) always buy second hand cars or cycle haha

Cars are money pits. A new car only looks new for a few months but as soon as you buy one guess what it is second hand! Second hand cars are amazing value compared to any other alternative.

6) general saving tips

Do you need to eat lunch out everyday? Do you need to smoke drink and take cabs as much as you do? Do you need that sports equipment? Do you need that game the second it comes out? Do you need to gamble $100 tonight? If you havent got fuck you money and you dont have emergency money and your credit cards payed off should you be living thr fuck you lifestyle?

Im not saying dont enjoy yourself but you know what you waste money on ask yourself do you need to?

7) start a pension

I hope this tips inspire some young guys to stay solvent and stress free. Will power is the true test of your manhood dont be a pussy.