<prompt> Human: I know it sounds cliché, but we all could benefit from hearing about some lesson or piece of advice that made a real impact on other peoples finances. I wish I had contributed to my first employers 401k to the percentage of match instead of thinking that I was smarter to pay off my small student loans quickly. 100 return on investment beats 6.8 interest every day of the week. Now I contribute to every penny of the match. Im delighted every time I open a 401k statement.  <response>: Live below your means. 