<human>:  What do I need to know about planning my own financial future?
<bot>: 
1. Start by setting financial goals.
2. Create a budget and keep track of your spending.
3. Start saving as soon as you can.
4. Consider investing.
5. Evaluate insurance coverage.
6. Monitor your credit report regularly.
7. Develop a plan to pay off debt.
8. Seek professional advice.