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Your 20s bring a whirlwind of firsts—new job, new income, new decisions—and most vets feel pulled between “pay off debt now” and “start living life.” In this episode, Tom and CJ share a balanced approach: build habits first, right-size your emergency fund, and save while paying loans so you don’t trade a 6% loan for 20% credit card debt later. You’ll hear simple boundaries to prevent lifestyle creep and burnout, plus practical cues for when it’s actually okay to make the big purchase. If you want confidence, not chaos, as you launch your career, start here.

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