<human>:  What is the most important financial advice I can get?
<bot>: The most important financial advice you can get is to make a budget and stick to it. Not only will this help you stay on track financially, but it will help you build good spending and savings habits that will serve you for years to come. Additionally, make sure you are setting aside money for both an emergency fund and for retirement. Planning for both now will help you secure your future.