I'm a female in my late 50's. Divorced. Have worked all of my adult life. Here's a couple of tips about work and money and retirement. But the truth is, most young people can't relate to my stage of life until they get closer to it. I know I couldn't, when I was young. But here you go:
There will come a time when you will be worn down by your work, even if you like it. You will start recognizing that your life is closer to the end than it is to the beginning. You will start to think about the meaning of your life, what you want to do, etc. And your physical body will start to break down gradually. Maybe not much. But it will happen. So, as the saying goes...may hay while you can.
Work. Spend your young, healthy years working your butt off. (This is after you've had your children, gotten your education, etc.) Work all the hours and put forth all the effort necessary to do a good job, stay with your employer long enough to get good tenure raises, and get the best benefits. Benefits and raises snowball.
There will come a time when you are physically or mentally unable to get those big bucks, so do it while you are young.
There will come a time when you are not as desirable in the work place, so take advantage of your age and energy while you have it...use that to get good jobs, raises & benefits.
SAVE SAVE SAVE. If you get a bonus...don't spend the whole thing. SAVE SAVE SAVE.
Don't get a new smartphone if your old one is working just fine. SAVE that money instead.
Read some basic investment books. You should know the basics of investing, if only to direct your 401K. I am shocked by how many people don't know anything about the funds in their 401ks. You don't have to become a financial wizard. But finances are key to happy life (among other things of course). You NEED to know what a mutual fund is, what a security is, what a bond is, what an expense ratio is, etc.
Speaking of 401ks...when applying for jobs, PLEASE pay attention to the company's retirement benefits. How much a company contributes toward your retirement is as important as the salary it offers, besides speaking volumes about how they view their employees. If a company will pay you $50,000, and provide a 401k but will not contribute to it (just you can), vs. a company that will pay you $48,000 and provide a 401K that will contribute 5% matching into a 401k....you should recognize that if you stay with that company for years, you will come out thousands of dollars ahead by taking the lower salary job (all other things being equal).
Just because you have the money does NOT mean you can afford to take a trip to Europe.
Debt is your enemy. It should be rare and paid off asap.
My #1 rule has been: I don't charge anything I don't have the cash for at the time. Charging was for convenience only, and not a way to buy something I couldn't afford.
If you don't have the money for something, that means you can't afford it. There is no shame in that. It's a source of pride to know what you can and cannot afford. None of us can afford everything we want.
Don't smoke. As a former smoker I can verify that it is addictive, costs a fortune, turns your teeth yellow, saps your body of vitamins & oxygen, and will make the cost of health ins. higher for you, as well as limit your job opportunities.