“All we have to decide is what to do with the time that is given to us.” As I navigate life, this quote from the movie, The Fellowship of the Ring, consistently comes to mind. At a crucial point in the movie, it shows one of the main characters encouraging one of their companions to not be discouraged amidst feelings that they had made poor decisions in the past. Rather, be encouraged that they can still be intentional with the meaningful time they have left. Now in my late 20’s, fully transitioned into my full-time working years, I can’t help but ask myself what healthy financial habits can I develop now that will carry into my 30’s and for the rest of my life. When I look back 30 years from now, are there steps now that I will wish I had taken in this season? In being proactive with the time I do have what will cause me to be thankful when I look back? When I think about the different areas that my financial decision-making encompasses, the topics that come to mind are cash-flow management, employee benefit maximization, and household risk mitigation.