<prompt> Human: Im young early 20s and trying to plan for the future -- but I have no idea what the future holds. So - for those older than I - how has your careerspendingfinances changed as you grew older?  <response>: Im still young, but honestly even just going through college my attitudes about money changed a lot. I still kick myself for not opening a credit card sooner just to have one, and not taking AP tests and not doing work study jobs during all the semesters I was offered it to be honest, maybe it was a bit tough to find a job every semester but I gave up way too easily and at one point fell into a pretty luxurious lifestyle of going out to eat way too much. Little 10 dollarfast casualfast food meals add up really quickly. I think I fell into the college kid trap of whatever, Ill make money one day and worry about things then. Each year Ive been getting a bit better at cooking, packing lunches, and other little habits that help me spend less money. Obviously Ill still have to work on avoiding lifestyle creep but I guess what Im saying there are baby steps you can take even when youre really young and have no idea how youre going to do in the future. Because if the whatever, Ill just be rich one day attitude turns out to be right, youve at least built up good habits. 