Why This Matters
A calm audit at 25 beats a crisis at 29.
The Audit
Debt payoff order chosen
Credit score known and tended
Career direction gut-checked
One skill compounding
Health baseline established
Gotchas & Consequences
Minimum payments on student loans can mean paying double the principal.
Drifting jobs for “experience” without direction reads as drift by 30.
AG-033Everyday ChecklistsPage 1 of 1