Most 21-year-olds aren’t thinking about Roth IRAs, early retirement, house hacking, or graduating college debt-free. But today’s guest, Anthony, is! Anthony is currently a student in community college, preparing to transfer to a four-year college next year. He has a paid-off car, no credit card debt, and makes around $2,000 a month, with $800 or so as extra income each month. Anthony is wondering where the best place to put his extra income is. Should he invest in his Roth or should he save up money for college costs? Alternatively, he could house hack which could cash flow him through college and allow him to leave with a degree and a profitable rental property.  Scott and Mindy walk through the multiple different options Anthony has and push him to see what he can achieve within the next few years to put him on a path towards financial independence!  In This Episode We CoverPlanning for retirement at a very early ageMaxing out your Roth IRA and 401(k) match every year you canPaying off credit card debt and car loans Finding side income streams like driving for Uber House hacking during college and leaving with a cash-flowing rental Keeping your spending habits low (especially as you’re starting out)And So Much More!