Separate accounts. One bill pay, one savings, and one discretionary. It has basically put my finances on autopilot. When I started, I set up my direct deposit to automatically transfer a certain percentage to each account. In order it build up a buffer in my bill pay account, for a while I upped the percentage that… » 7/14/14 8:15am 7/14/14 8:15am

This. Not that what the OP said isn't true, it's just that for many people garnering an employable skill set is the most important first step. The more generalized thinking like a software engineer and algorithmic problem solving stuff can come later. » 7/08/14 12:46pm 7/08/14 12:46pm

I think they're worth the money in general, although really good ones can get stupid expensive. I went to a pair of Sennheiser HD 280 Pros in '09 or so, and now I can't see going back to lower quality ones ever. I'm currently using the HD380 Pros, but to be honest, they don't always sound warm enough. I tried on a… » 6/30/14 11:46am 6/30/14 11:46am