<prompt> Human: I just started a full-time in NYC that pays pretty well.I graduated from a public university this past spring. I have little to no experience with financial planning on this level. What are some helpful tips, things you wish you had done, etc.?  <response>: Do a written budget for the month before the month begins. Get out of debt and stay out of debt; never do anything with money that you do not understand. Have an emergency fund that you use only for emergencies, invest 15 of your income for your retirement, and live on less than you earn. Read The Millionaire Next Door, The Millionaire Mind both by Thomas Stanley, and The Total Money Makeover Dave Ramsey. Dont buy into the popular culture nonsense that successful people are evil and the only way to get ahead is to rip off the common man...give wisely to those who will best benefit. 