I believed that it's too early to save for retirement or an emergency. I used to think only about today instead of doing something for "tomorrow". As a result, when a sudden emergency hit me I was completely broke and didn't know where to turn to. I didn't save anything before but I finally realized my mistakes. Fit My Money educated me in the financial sphere and helped me understand how important it is to think in advance and get prepared for any unforeseen expenditures that might come all of a sudden and ruin your life.