Finanical guide for Gen Zwith Xavier University students 01:26 financial mistakes 05:08 you shall be independent 12:44 you shall have a budget 21:59 you shall create passive in come early 29:03 you shall have medical insurance 38:22 you shall have no debt 49:26 you shall have an emergency fund 56:10 you shall think long term 1:00:45 you shall build your retirement fund 1:02:19 you shall invest as much as you can 1:03:34 you shall use money as a tool to make other happy