How financially responsible are you?
Are you frugal? Do you live paycheck by paycheck? Do you budget everything accordingly?
This random question popped into my head as I was answering my niece's email. She's at her third year studying at Cornell and asked for some financial tips on how to prepare herself after she graduates.
I always did the simple things like having 100% of your yearly salary saved up in an account that you never touch as an emergency fund. Meet your employers 401k match every single year if they have one, as most do. Max out ROTH IRA.
It never occurred to me that some people never bother with these things and just have their extra money in a savings account connected to their checking.