Luxury Apartments

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"You don't say what industry you're in, what metropolitan area you live in, whether you plan to have children, etc. All of these things make a difference. Saving $6,000 a year (which could be more if you start getting raises as your responsibility and salary increase) in anticipation of life changes is not a bad idea. Planning for the future shows forward-thinking (I'd wish I'd done more of it).

Here is the No. 1 thing you can do to figure out the best path going forward financially: find a financial planner. (No, you aren't too young. No, you don't have to be a millionaire.) I suggest first asking your parents if they have one who they think would be good for you, too. (This may be not be true at all. Some people go to college and become 1st generation graduates and enter a world entirely foreign to their parents.) Next, ask your friends if they can personally recommend a financial planner.

Emphasize the “personally” part—you want them to vouch for someone. (Make sure this is someone who is certified to do business, not an uncle’s girlfriend’s cousin who gives advice out of his storage unit on Wednesday nights.)

If those two avenues prove fruitless, check with your school’s alumni association. Some offer a network of benefits that includes referrals to professional services, including financial planners. And, finally: your employer itself. Employers often offer financial planning services to their employees, either as an actual benefit or (less frequently, as this is more likely for those in financial crisis) through a bundle of EAP services.

Financial planning will help you not only with this issue, but it will help you make sure you have your head set straight in general. It's not about whether you have a nice shiny sink or have to drive (take the subway?) 10 minutes vs. 30—an old porcelain sink works just as well and the right meditation tapes can make stress a moot point not worth entering into the equation.

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