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If you spend a lot of time pondering money-related questions and more time worrying about the answers, as an adult living in a Capitalist world, you need to think about securing financial stability — especially without the promise of generational wealth.

One of the fundamentals of being stable is realizing that the future is not secure. You need to look at your finances and start saving money — even if it looks impossible.

There is no better time to be fiscally responsible than right now. How much you save and where you place your savings depends on your income and long-term financial goals.

Here is a list of five questions on savings answered: