Thank you for the wishes for him and very good advice that I need to address to him. He's kind of spends as quick as he gets money. The funny thing is that he is going for a Business Major, haha. Oh the IRS, oh yucky taxes but yes pay them and on time. Also by all means file, a lot of young people usually get refunds so I don't understand why some don't do it.

Yes there are things here if you start early with can be very beneficial later. I didn't get on the train super early but got onto to it before it was considered late. Now it may lead to me retiring early 😁 Take care.