Are you rational with your financing,Do you satisfy with your current situation?

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These days I concern about financing, I realized that I was so reasonless in the past days, I didn't consider about my earnings and my spendings , that bothers me now... So I plan to have a rational financing and try to earn money and save money and be clear with all my finance stuff. I think this will be benefit for my future. How about you , especially for new guys who just graduated from college and start your job just now.