These days, there’s a lot of talk about what us 20-somethings should or shouldn’t spend our money on. How soon should we pay off our student debt? Do we buy a home instead of rent? If so, how in the world do we save enough money to do so?

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If you’ve ever wondered if you should share your salary with your friends, pay off debt before starting a savings account, or buy that controversial $6 oat milk latte, this article is for you.