I am sure you're thinking, what is Key talking about.....Inflation?! Yes, Iam talking about Inflation. The definition of Inflation is chasing too many goods with no money. Does that definition ring a bell? Well it should bring something into your attention. How many times have we decided to buy an item without realizing the consequences of our bank account in the long haul? We all have wants, but true discipline of your money is separating the needs from the wants. You can only afford what your bank accounts says you can. So as of today, start realizing you are living in your own Inflation. Realize the needs from the wants. If you have an item you desperately want, save 15% of your paycheck for it. Its okay to save in college!!!