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It’s difficult to think about saving money for emergencies, the future, and retirement when you’re holding a large amount of student debt and living paycheck to paycheck, but that’s no excuse for not saving. Start now. That should be the mantra of all 20somethings when it comes to saving for the future.

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It’s time to pause, take a step back, and reset your feelings and expectations when it comes to dealing with your money. This fundamental shift within you is what will make other important changes possible.

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What’s at stake? NOT negotiating a fair salary at the beginning of your career is like leaving anywhere between $1 million and $1.5 million on the table in lost earnings over your lifetime. Yikes.

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Now’s the time get on track, to make the right moves that will build on this first big milestone and set the course for a comfortable financial future. Knowing what the “right moves” are to be sure you are “on track” is the tricky part.

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