It goes without saying that your 20s come with lots of new things; new friends, new experiences, new perspectives, and new legal allowances.

There’s no denying that having money or not having it comes with a lot of emotion. When we have it we’re happy (and often irrational), and when we don’t we’re sad. With each emotion come behaviors that can make or break our financial stability for the future. Many a divorce, bankruptcy, and heart attack have been attributed to the stress that people feel around money that could have easily been avoided.

Your twenties are a mixed bag full of fun experiences and new opportunities for growth. But if you can find a way to incorporate common financial sense, you’ll not only thank yourself later but even be able to afford to buy yourself an expensive treat!