This is Gabby. She is 24 years old and works for a high-tech company. She is single and lives alone. Gabby enjoys shopping, going to the movies and eating out with friends.

Up until now, Gabby has had no interest in saving or investing for the future. Her philosophy has been “Live for today!” But she has a lot of credit card debt, owns no property, has no emergency savings and has not invested for retirement. Once Gabby realized she was creating debt instead of wealth, she started tracking her spending, made a budget and set a goal to save more each month.