When you are starting out, there is a lot to juggle. Student loans, office politics, dating, and roommates to name a few. Your mountain of responsibilities may not leave time for anything else. So being proactive with money — especially taxes — may be at the bottom of your priorities. No one expects you to…

For all that you learned in school, chances are it didn’t include much in the way of how to ace the personal finance stuff. It’s rare for high schools and colleges to focus on these vital life skills. No worries. Follow these five financial moves and you will be off to a great start.

Millennials are often chastised for their spending and savings habits. They love their morning coffee but aren’t saving enough money for their future. You might not know, they love HSAs as much as they love their morning frappuccinos.