1. Always spend less than you earn and don’t start spending more every time you get a raise
2. Keep your monthly expenses as low as possible.  Don’t trap yourself into expensive car or mortgage payments each month. Nobody is impressed and now you’re broke
3. Prioritize saving part of every paycheck. Make it automatic, so you don’t even see the money. Pay yourself first before all other expenses. Do this consistently.
4. Automate your finances.  Bills, savings, this is going to make your life a lot easier. 
5. Have a budget.  Know where every dollar is going.  A good basic framework is 50% needs, 30% wants, 20% savings and investments
6. Save up enough cash in the bank to cover 3-6 months of expenses. Unexpected expenses can arise at any moment – protect yourself
7. After the emergency fund, prioritize paying off high interest debt.  You’re not going to out-invest a 20% interest rate that you have on a credit card. Trim every unnecessary expense until your debt is paid off
8. Invest your money so you don’t have to work until you die.  Put at least 10% of your income into your 401k (plus the company match) and 10% in regular savings/investment accounts.  A good investment option is low-cost index funds like Vanguard’s VTI – Total US Stock Market Index Fund.  You can’t beat the market over 50+ years, so own it! 
9. Invest automatically every month, in good markets and bad. Don’t turn on CNBC or look for stock tips – just stay the course
10. Pay off your credit cards in full EVERY SINGLE month
11. Who you choose as your spouse is a financial decision as well as an emotional one.  Choose wisely.  When you get married and/or have children, buy a 30-year term life insurance policy and draft a will
12. Don’t buy a house unless you’re going to live there for 10-20 years.  It is not a good investment
13. If you borrow money for college, make sure it’s for a high paying career path so you’re able to pay the loan back.  College is an investment – make sure the ROI is worth it
14. Prioritize your health – exercise and eat healthy.  A healthy person has a million wishes.  A sick person only has one
15. Saving $5 on coffee isn’t going to make you rich.  Saving money on bigger decisions, the ones that end in zeros like your home or your vehicle, will go much further.
16. Don’t let the small expenses become big expenses. $27 a day in random spending adds up to $10,000 a year
17. More learning, less Netflix. Read books and listen to podcasts to learn from people that did it before you
18. Avoid get rich quick schemes.  They will keep you broke. Multi level marketing or high risk ventures are likely not going to get you rich.
19. Donate up to 10% of your income, but only if you’re in a position to do so. Help yourself before you help others

These tips are general advice but remember that personal finance is not a one-size-fits-all endeavor. Your financial goals, priorities, and circumstances may be different from someone else’s, so it’s important to tailor your approach accordingly.