In my experience, if you want an easier life, don't do any of the things below! This is a list I compiled of financial mistakes people make all the time that can usually be avoided. Putting off saving for the future Especially Roth IRA or matched 401 K! Employer paid benefits are the best free money Time value of money - rule of 72 Not building an emergency fund Accumulating debt when not absolutely necessary For credit card debt always pay in full monthly “It is the debtor that is ruined by hard times.” Times have changed as far as Americans attitude toward mortgages. Do the math on the tax savings of a mortgage and see what it really means. Proverbs 22:7 "The borrower is servant to the lender" Not investing You want your money to work for you. Making bad investments AKA - educate yourself before buying Examples time shares certain insurance products like annuities. Do NOT trust that someone else can handle your finances...