When you're starting off your first big kid job feels super far off what is the point in saving for it now? Time is one of your biggest assets when you're younger. Having emergency fund that's three to six months of must-pay expenses set away somewhere safe like in a savings account or a checking account because if you go from one job to the other you may have to have a month or two where you don't have a paycheck so you have to live off that. Make sure that you do something smart with your old 401k.

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