Opened a Roth IRA. Didn’t invest the funds for 3 years. Had a 403b. Didn’t know what it was or that my small contributions were in annuities. Discovered PFC and the world of personal finance and now am making my money work for me. I automate my savings, track and categorize all my expenses on the last day of the month, and calculate my net worth on the first of the month. Building good habits early-ish and often! School based SLP.