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Its a golden time of opportunity and, ideally, fun.
But its also a delicate time.
Thefinancial decisionsand actions you make now can set you up for success or failure.
What money moves should you prioritize making early in your career?
GOBankingRates spoke with two financial experts to find out.
These are the top foursmart money moves that youve got to make and soon.
Build an Emergency Fund
First things first: Get that emergency fund built up.
Financial experts have differing views on how much you should keep in a readily accessible emergency fund.
You do not want to rely on credit cards for emergencies, Gammon said.
This will help you out later on when something unexpected happens and helps give you peace of mind.
Do not pass up this opportunity.
The employer match is like getting free money.
The compound interest these investments make over your career will help you later for retirement.
Even if your employer doesnt offer a match, you must invest in a retirement plan.
If a 401(k) plan is not an option, then open an IRA on your own.
Time is heavily on your side here.
Can you invest more in your retirement plans or outside in other investments?
Practice Financial Discipline
Now is the time to form excellent money habits.
Get into the habit of paying down your student loan debts and banishing credit card debt.
; How will this purchase impact my savings and investment goals?
and Does this purchase have a lasting value?'
said Aaron Razon, a personal finance expert atCoupon Snake.
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