First of all, it's a good thing to save.
Many people don't do so, especially young people and believe some type of credit card, loan, etc. is gonna end their financial mess.
WRONG.
You cannot repay old debt by getting into new debt.
Take 10 % out of your paycheck and you will be fine.
But there is another point of importance:
Think where to invest:
Turns out putting your money into a citibank account may not be the most intellegent thing to do
By the way, in the right square there is some real money to get.
Nobody will arrest you.
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