<prompt> Human: For context: As Im sure you have guessed, I recently entered the fabled real world with 20k of student loans, no other debt, and a bachelors degree in a far-from-lucrative field. So Im curious about what you would do differently if you could be my age again.Planning for the future is new to me, and I only in the past year tackled my issue of spending money I didnt have. Now I budget carefully, but that is planning for the month ahead, not the years ahead.I have a retirement account thanks to this employer, but that was mandatory so I really know nothing about it other than that they put a little more in than I do. So, what would you suggest doing and avoiding at my age?  <response>: Dont spend money just because you have it. Get out of debt as fast you can and stay out of debt. 