<prompt> Human: Hi, Im a 20yo whos never really had any financial responsibility, and now that Ive got a job, Ive noticed that Im very bad at saving my money, buying things on impulse, etc. Are there any steps to fixing that issue?  <response>: Open an IRA and set automatic deposits that coincide with when your paycheck hits. poof the money is in a place you cannot touch it without incurring a large penalty. 