So you've finished school, and you have your first real job and a steady paycheck. What now?
First things first: Accept that your income likely won't stretch as far as you want it to.
"The biggest problem I see with young adults is them not living within their means," said Ben Tobias, a certified financial planner and president of Tobias Financial Advisors.
"Before you do anything else, look at the income you have available and do not spend more than that," he said.