5 financial tips to keep you ahead of 90% of the population You are never too young to start financial planning. In order to stay ahead of what I call the “Traditional Spending Curve” (TSC) you need to start planning your future as early as possible – here are 5 steps you can take to stay ahead of the curve and be better off financially than 90% of the population I think most people will agree that financial planning can be a great tool in helping you to build a nest egg for retirement. The only problem is that most people don?t start their financial planning and budgeting until after they graduate from college and get a job. For most people their financial planning consists of a 401k from their employer and maybe a personal IRA on top of that. You might be tava tea reviews saying well there is no point in planning your finances if you are still in school and don?t have any finances but that is where it is actually most important. This is where you have the opportunity to get ahead of what I call the ?Traditional Spending Curve?(TSC)which is basically the level of necessary spending you must engage in at any particular time in your life. When you are young it is very low because your parents pay for everything but as you get older it goes up as you start to pay for your own meals, or cell phone bills etc. It takes a substantial leap when you move out and have to pay rent, utilities etc. Naturally the amount you save is inversely proportional to the amount you spend so ideally the more you can save when you are younger when your expenses are lower the better.