Financial literacy, budgeting, credit score, student loans, emergency fund, investing basics. If you are a young adult trying to figure out money without a real playbook, this episode is for you.

On Vet SOS @vetsospodcast , we break down the exact framework I wish I had when I left high school and walked into student loans, credit cards, taxes, car payments, and all the “adulting” decisions nobody trained us for. I share the core ideas behind my book Your Future Is Now and the real-world lessons I learned through the Army, debt repayment, and 25+ years in financial services.

We cover the foundation that makes everything else easier: building a budget that actually sticks, setting up an emergency fund before life hits you with a surprise bill, avoiding credit card traps, choosing the right banking setup, and understanding how to think about taxes and insurance without getting overwhelmed.

This is not about getting rich quick. It’s about getting stable on purpose so you are not paying banks and credit card companies for the next decade when you could be paying yourself.

If you want the book, you can find it on Amazon and Barnes & Noble, or download the first book free at jeffreypanik.com. A portion of proceeds supports K9s For Warriors.

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