1. Take the initiative in investments. Pay for your company's  Endowment Insurance① project as mush as you can if there is one. If there is not, try to work out a Pension② Plan, set the amount of monthly deductions and put the money into your personal retirement account, which receives part of your after-tax income, and  returns on the basis of duty-free③ status.

2. Invest in stocks. Storms always give way to the sun. As a rule, the stock market will heat up rapidly once conditions improve. You stand a chance to pick up the stock at a tarnal low price in the gloom of 2008.

3. Create a saving account and deposit every buck you squeeze out. The account can be utilized for your housing down payment④, graduate studies, a new car or for marriage settlement. 

4. Start your own business, though the present job is not up to much. You'd better create networks in your field, join in Career Associates⑤, attend meetings and training classes, as well as study independently in order to be more competitive.

5. Establish a credit history in good standing. Go get a credit card⑥ if you do not have one. If you do have,  repay on time. The credit card can be used only for things you can afford and for emergency purposes. Besides, you should pay up within the borrowing time limit.

6. If your company does not provide you with Medical Care Insurance⑦, get it by yourself. Minor accidents like breaking a leg may drive you to the wall if you can hardly make the ends meet. You may be in good hands if you got the Insurance, and it's inexpensive for the youth.

7. Keep your wits bout you when dealing real estate market. It might not be the optimum time, but it's already good enough for purchasing a house, furthermore, it will go on for some time. You may take a survey of housing, calculate the amount of the loan, and consider the house you can afford and like.

8. Learn to manage money. If you start investing at your twenties,  still you will not catch up with Warren Buffett⑧, for he started it in his teens. However, you will be much seasoned when you get 35, and then you have plenty of time to make a profit with the built-up skills. You may take your time, but you should hang on to it.

9. Set comfort aside. You might think that you haven't lived a genuine life for an adult for long, yet you'd better put back it for another few years, for this will benefir you a lot.

10. Seek help. Even if you have tightened your belt, it might still be impossible for you to afford a house and invest in the Pension Insurance Account with your money in hand all at once. Do not forget your parents and their parents, for they might give you a leg up on things of pretty importance.

Source: Youth Literary Digest--Green/Written by Linda Stern