1. Identify your goals, values, and desires—apart from your friends and social media
2. Compound interest is your best friend, so start investing now
3. Be intentional with your money
4. Talk to everyone about money: The more you talk, the more comfortable you get
5. Learn how to negotiate
6. Advocate for yourself, and if you don’t understand something, ask
7. Learn from your mistakes
8. Surround yourself with people who support your money goals
9. Find free or low-cost hobbies and activities you enjoy
10. True wealth is about more than money
