<prompt> Human: Im 22, recent graduate, no loans to pay off, no job yet. I have an IRA.What should I know about becoming a financially responsible grown up? What do you wish youd been told in your early 20s?Apologies if this has already been discussed; my searches turned up nothing similar to this question  <response>: Money is not about buying stuff, but is about having freedom. When you borrow, and you give up some of your freedom. 