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?

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.