b'Today, we\'re looking at the top 5 basics for people who are starting their personal finance journey:\\n\\nPaying off debt strategically\\n\\n\\nNot over-doing the emergency fund\\n\\n\\nInvesting early and often in a tax-efficient way\\n\\n\\nLiving beneath your means\\n\\n\\nUsing credit cards to travel for free\\n\\n\\nRESOURCES MENTIONED\\n\\nGet started with Betterment > "Betterment Safety Net"\\n\\n\\nPick up a Wealth Planner tool for an exact emergency fund recommendation\\n\\n\\nHow to Use Your 401(k) in Early Retirement without a 10% Penalty\\n\\n\\n401(k)s for the Self-Employed\\n\\n\\nA Case for Why Nice Stuff Might Be Making Your Life Worse\\n\\n\\nThe Top 3 Spending Mistakes I See\\n\\n\\nTravel Credit Cards: A Full Breakdown Guide\\n\\n\\n\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'