<prompt> Human: I am 22 years old, one more year and I should graduate college. Since this sub has been on the front page a lot, Ive been lurking a bunch and read about many peoples success and fail stories. In an endeavor to become a responsible man I want to become smart financially. Both of my parents lack in this area and I dont want to follow their steps.What habits can I start now to build a foundation for my future?  <response>: Know the difference between essentials and luxuries. 