Recently, I’ve revisited my financial decisions since I graduated from college in the fall of 2011. You know what I found? Having a permanent, decent-paying job actually contributes the most to my assets and financial future. With money in my bank accounts and a stable income stream, I have been approved for good credit cards to build my credit history. The money I’ve saved has been put into my brokerage account so that I can learn how to invest. I’m 24, and I know there are a lot of things to be learned and a lot of money to be earned in the future, but I think I have a decent start, to which my income contributed significantly.