What advice would you give to your teenage self?
Your annual income minimum should equal your yearly age. You must save 10% of your annual incomes forever; you can borrow from them, short-term, and must pay it back, You must encourage your family and friends to do the same thing, or isolate them. You must keep your debt-to-income ratio at, or below 30%, and encourage your family and friends to do the same thing, or isolate them.