7. Start Thinking Long-Term
Sure, you may be 28 now, but someday you'll be 35, then 49, then 68, then holy shit, where did time go and where's your savings for retirement? Listen, by the time we're old enough for social security, there probably won't be any so, as depressing as it might be, start thinking about the future now. As much as it pains me to write this, you won't be 28 and wrinkle-free, without a care in the world forever.