If you’re lucky, your parents taught you self-control when you were a kid. If not, keep in mind that the sooner you learn the essential life skill of delaying gratification, the sooner you’ll keep your personal finances in order as a matter of habit.

You are only young once, but life as a young adult is not always fun and games. Young workers, in particular, face a number of challenges, from finding their first apartment to trying to make the rent each month. If you are just getting started in life, you might think you do not need any financial planning tips, but now is actually the best time to get started.