You want to be that guy who buys everyone in the bar a drink. You want to be the guy who whisks a girl off her feet to Paris or Iceland or Buenos Aires at a moment’s notice. You want the Tag Heuer Monaco watch, the vintage Triumph, and if it’s not asking too much, the Bugatti Veyron.

It all can be yours.

Now for the buzzkill: the first step to a lifetime of getting exactly what you want is to responsibly manage your finances. Unless you’re one of the lucky few who nabbed a full college scholarship or at least a full parental scholarship, chances are you entered your adult life carrying around personal debt on your back like the Hunchback of Notre Dame. Instead of squeezing a growing hunchback into a John Varvatos suit you can’t afford anyway, man up and take some personal responsibility for your finances.

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