<prompt> Human: Ive been trying to think of things I can do at 20 years old to make my life a lot easier 30-40 years from now. I know all of the conventional stuff like starting a portfolio and getting into Real Estate investing. I was wondering if anyone knew of anything other than the usual stuff that could really make a big difference down the road? Other general finance advice for a 20 year old would be appreciated too. Im always willing to listen to anyone willing to talk. Thanks!  <response>: Go to an affordable college to minimize student loan debt. Dont be swindled into going to a big name expensive school for the connections. There are plenty of opportunities to meet people and get great jobs no matter where you go, you just have to work a bit harder and major in the right things. Study something in high demand i.e. engineering so you can get a decent job straight out of college without necessitating graduate school. Do summer internships and you could save a few thousand every summer and start a Roth IRA. Avoid buying a car if you can. Live with roommates for as long as you can stand it. Dont eat out or go to bars. Take care of your teeth, dental work is expensive. 