Introduction

Today, we're looking at the top 5 basics for people who are starting their personal finance journey:

1. Paying off debt strategically

2. Not over-doing the emergency fund

3. Investing early and often in a tax-efficient way

4. Living beneath your means

5. Using credit cards to travel for free

RESOURCES MENTIONED

• Get started with Betterment > "Betterment Safety Net"

• Pick up a Wealth Planner tool for an exact emergency fund recommendation

• How to Use Your 401(k) in Early Retirement without a 10% Penalty

• 401(k)s for the Self-Employed

• A Case for Why Nice Stuff Might Be Making Your Life Worse

• The Top 3 Spending Mistakes I See

• Travel Credit Cards: A Full Breakdown Guide

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