re: Setting yourself up early financially

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I understand it, its very easy to get caught up in your everyday routine and forget about your future. I think that's how most people live. I'm willing to bet less than 1% of people actually write down their monthly, yearly, and lifelong goals.

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Maybe that's where people with military experience have a slight edge - not only do we have to set, revise and update goals - when a mission is complete, we look at the goals versus accomplishments, and record what to sustain and improve.

The research is clear - all other things equal, the person with clearly defined goals will accomplish more than the person who does not have these goals. That's true with family vacations, celebrations, exercise/fitness, nutrition, just the whole range of human experience.

I'm not for obsessing about goals, but using them as tools. Heck, for the purpose of this thread, a budget, savings percentage, growth, income levels, retirement age are all "goals" people should be writing down, revisiting and updating as necessary.

LIke the OP I am in my young 20's and still in school and currently hold a mutual fund that I invest in each month but wanting some advice from people on here.

Should I just continue to invest in that mutual fund which is doing well or try to buy some individual stocks?