Its kind of a rite of passage though for most of us in our 20’s, I know Im living beyond my means and theres little I can do about it at the moment. Its whats sets us up to be the people we will be in the future financially. Hell I drop probably 200-300 a month on cigars and another 100-200 a month on booze, I have developed very expensive tastes. Its all going to come to an end soon though and Im dreading the day. Luckily Im only 23 and realizing my shortcomings early. The thing Ive learned is that one is never too young to make big moves in life. One doesnt have to be college educated or born with a silver spoon in their mouth to make serious financial moves even at a young age.