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One of, if not the most important financial decision you will make, is who you marry. If you decide to get married, take your time and do not make this decision lightly. Find someone whose financial goals are similar to your own. Mismatched financial philosophies (spender vs saver) and divorce are extremely costly especially as you gain wealth.

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Going along with this, take the question of marriage seriously and don't delay. Your prospects will mostly get worse from 22yo onward. If you're in a relationship that you don't see progressing toward marriage, get out. If you end up without prospects by 24 or 25, seriously consider going to grad school, just for the dating market. Anticipate that it's way harder to join lives with someone who is already set in his ways, which is what happens when you live out of college and without roommates for years.

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