conversation: User (lost_in_blizzard): "The mere fact that you post and browse this sub, and think about your future puts you miles ahead. \n\nI am 36, and when I was 22, I was so scared that I wasn't saving money every month. But trust me, you are young enough that it is OK. \n\nYou are ahead of the game because you're thinking about it. It's that consciousness of finance that is going to help  you. You'll make the right decisions when the time comes. "
  Self: "If I could make one recommendation to my 22 year old self (now 42), it would be to control your drinking.  **Literally tens of thousands of dollars literally down the drain over the years...**\n\nOur "going out" culture has become incredibly unhealthy and financially destructive."
  biG_Ginge (biG_Ginge): "I'm currently in college at 22.\n\n\nSo many of my friends complain about how poor they are, and yet they somehow find enough money for booze and pizza every weekend along with their X packs of cigs."
  Lt-SwagMcGee (Lt-SwagMcGee): "20 in college here. There have been so many times where I go out to eat with a bunch of people and someone says something like "hey can i borrow $10 from someone? I only have like $7 in my bank account right now, i'll pay you later"\n\nHow the fuck are you not freaking out about having only $7 in your bank account? What happens if your bike gets a flat tire and needs a replacement? If you get sick and need to buy medicine? \nWhy the fuck are you even eating out if you only have $7?\n\nI go into damage control mode when I have less than $10/per day available in my monthly budget. I have sympathy for people that are genuinely poor and can't afford to enjoy themselves once in a while, but being broke because you're irresponsible with money is just straight up stupid."
  wewora (wewora): "They probably have cash but its at home or a parent that supports them that they could ask for money for living expenses."
  