<prompt> Human: tl;dr - What do I need to look out for as I continue?Hello rPF. My family has been poor, or at best lower-middle class for generations. I want to change that so that my future children dont face the same daily challenges and hardships that I had to growing up. Ive been lurking this sub for years, and have gotten a ton of good advice from you guys. I want to bring my family into wealth. What are some of the most challenging obstacles going to be in doing this? Is it gonna be finding high paying stable employment? Medical billsunforeseen expenses? Is it having children and all of the accompanying costs? Id like to get some advice on things to look out for in the future; things that might trap you if youre not prepared for them.My current situation:22, male, USA740 credit scoreNo debtNo savingsNo degreeNo real reasondesire to stay in Colorado where I currently liveI have a simple job that pays enough to make ends meetIm aware of the basics: E-fund - debt - retirement accounts - investment accounts, so Im not looking so much for how to handle money on a dollar level, but Ill happily take advice given.  <response>: In general, I think the biggest obstacle is a mindset of I deserve any given material thing. Youll see it as lifestyle creep most often - you get a raise and think you deserve a new car, a new house, a new something. Then you have to maintain those new things. And the pattern keeps repeating itself.If you tell yourself I deserve financial stability then your actions can align toward that goal. Find a career that you love, or at least enjoy enough to be passionate about. Save and invest as much of your income as you can, especially while youre young. 