text:  Yeah, I think this is a great point, and it's really important to use your raises wisely. So if you're doing a good job, you have a good budget, you understand where your money's going, once again, money in, money out. When you get that raise, take a look at where inflation was because we know it's been high the last couple years. But if you can afford it and it's not really changing that much, I would take that money and certainly start putting it away towards savings, towards retirement, and letting your money work for you.