My advice to financial well being is:
- Do not spent money you do not have
- Build a rainy day fund
- Drive car until repairs became liability
- Take advantage of 401K and max it
- Put extra money to Roth IRA
- Buy a house you can afford on one income
- Don't buy shit you do not need
- Keep in mind, even if you cut your expenses to zero, your income will not go up by a cent
- Do not neglect your health, it will become costly
- Stop smoking or drinking out. Have martini at home instead spending $12 on happy hour with your coworkers
- Learn how to fix stuff around the house yourself, but let pluming and electric cables to professionals
- Enjoy life and learn how to spent your hard earned money wisely