The closer you get to your 30th birthday, the more you realize that instead of spending all that time complaining about the fact that nobody prepared you to be financially successful, you can either teach yourself the things that you need to know and correct them now.

The closer you get to your 30th birthday, the more you realize that instead of spending all that time complaining about the fact that nobody prepared you to be financially successful, you can either teach yourself the things that you need to know and correct them now, or you can continue with your bad financial habits and wake up one day when you're 60 years old and wonder why you're still broke. That being said, I'm about to start sharing some advice that I've already tried and seen improvements from in my own financial habits. That way, maybe you can do the same. The very first piece of advice being, you don't need just one banking account, you actually need four. These four accounts are also known as the four horsemen in finance and I'm about to explain each one to you in just a second. The first account is going to be a regular checking account. That's going to be with the bigger banks like Chase, Wells Fargo. It is literally just for everyday spending, your bills, transactions between person to person. That's going to be that first account, a regular checking account. The second account and probably the most slept on is going to be a high yield savings account. I have my account with SoFi. Honestly, three out of my four accounts are with SoFi. They're my preferred bank at this point. But a high yield savings account is going to be like a regular savings except you're earning interest on the balance there month to month. Not just for the year, every month, whatever your balance is, you're earning a percentage of that on top of it. The third account and probably the most scrutinized is going to be a Roth IRA account. Now, this is just another word for a retirement account. And yes, it is true what they say, whatever rewards you earn on this account, you cannot touch until you are 59 and a half without any penalties. But the thing about a Roth IRA account is that it is an investment account, it's simply tax-free. Now, the fourth account type that you're going to want to open is a brokerage account. I'm not going to lie to you guys, I don't have a lot of expertise on this one just yet because I am just now opening a brokerage account and that's going to be one that we navigate together going forward. But from what I understand, if these four accounts are in place on your end, your chances of being a financially responsible individual, especially well into your 30s, increase by I don't know the exact number, I just know it increases by a lot.