One of my favourite movies last year was X-Men: Days of Future Past.

To save the X-Men from the Sentinels who want to fry them into goreng pisang, Wolverine travels back to 1973 to create an alternate future, forever altering the fate of the X-Men.

Which really got me thinking: What if I could travel back in time and talk to my 20-year old self?

What would I tell my younger self about money that would forever change my entire future for the better?

Here’s what I would’ve said:

1. Pay Yourself First

I get it – it’s really, really hard to save money when you’re 20.

Your tiny allowance is barely enough for meals, movies, and the occasional overpriced coffee and organic ice cream at some hipster cafe.

Here’s a tiny hack that’ll help you save with less effort: Pay yourself first. Every month, take $200 from your allowance and ...