Voor deze man is het makkelijk tolerant zijn . Ik ben het totaal niet eens met wat hij zegt , maar hij mag het van mij altijd blijven zeggen . <| sep |> Stop spending the $ 300 on random crap and start putting it somewhere useful . Save up $ 1000 in a minimal emergency fund first , and then attack your credit card debt until it is wiped out . Then you ' ll have more money each month , and you can continue beefing up your emergency fund , start contributing to a 403 b or IRA , and possibly still have some money left over to spend on random crap though I don ' t encourage this . Save it ! How much you ' ll need in your 403 b really depends on how good your pension is and if you ' ll also be able to draw social security some states allow you to get paid from state pension and social security , some states don ' t .