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Acceptance is the answer.

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Paying off credit card debt at 20%+ > savings and investment earnings
Automate, automate, automate....
Read the automatic millionaire. Such a great, intro read.
Once that's done, save more than you think you can.
Yes.
There’s no amount of investing return you’ll attain that will outmatch the power of gradually increased savings.
Save as much as you can. £500 saved at 18 is worth more than £5000 at 40.
Start investing IMMEDIATELY!!! Buy high, buy low, and in between and hold, hold, HOLD!
Once you make enough that you are comfortable living on a budget that meets your needs and allows for some wants give all raises to future you through saving. (Ie if you find at $75K you can budget and live happily don’t let lifestyle creep convince you your budget needs to reflect that raise to $100K. Leave your budget where it is and save the additional pay in an account you lost the password to with decent long term returns)
Skip the toll road, and put that money in your stock account.
Today tomorrow and the future 3 buckets for budgeting savings/investing
Pay yourself first. Treat current you (savings) and future you (retirement/investments) like a bill.
Preferably, automate that ^. You don’t miss what you never had
invest 20% of your income