7. Earn more money
when i was a brand new teacher we attended a financial planning seminar for all the teachers in my district. one of the first things she said was "first, take $10,000 and put it into blah blah blah" and we're all like "we're teachers. we don't have $10,000." that was 1984 and financial planning wasn't talked about very much. i'm glad times have changed for all of us.