I graduated college with $800 in my checking account, $28K in student loans, and zero clue where my money went each month.

Sound familiar? Here are the 3 mistakes I see every new adult make:

1. Not knowing your actual monthly expenses

Most people guess they spend $200/month on food. The real number? Usually $400-600. You can't fix what you don't measure.

2. No system for debt payoff

Paying minimums on everything feels responsible. It's not. The avalanche or snowball method will save you thousands — but you need to see all your debts in one place first.

3. Waiting to "make more money" before saving

You don't need a raise to start building wealth. Even $50/month compounds into something real over 5 years. But only if you actually set it aside consistently.

I built The New Adult Finance Tracker to solve all three. It's a single Google Sheet that shows you exactly where your money goes, builds a debt payoff plan, and automates your savings targets.

No apps. No subscriptions. Just a spreadsheet that actually makes sense.

If you're tired of guessing with your money, this is for you.