text:  I think you need to invest in stocks, especially at a younger age. I think you should do Roth IRA. All of these things help us get there. Some people say, well, I can't save money, and my thing is let's look at your budget. We'll find 50 bucks. Right. Let's start building that good habit that's going to get you to independence. That good habit. When you say a good habit, what do you mean generally by that?