<prompt> Human: Hi all,Im from Texas. I completely screwed off in my 20s and really have nothing to show for it. I did however, graduate from college with a business degree. Now Ive landed my first big boy job, making 80k. I feel like Im so behind everyone else. How can I be responsible with my new income and begin building a good life? I feel so old turning 30 with nothing to really show for you. It sucks  <response>: Follow the flow chart in the sidebar. 