Just get a raise?

So you just received a boost in pay, great, what will you do with it?

Perhaps you will pay down credit card balances, maybe it will be used to pay basic bills and avoid future debt 👍🏼

but don’t be tempted to up your spending on stuff, especially if you don’t have an emergency fund or are not saving sufficiently for retirement 😩

a raise is a great opportunity to up your 401k or IRA contributions just a bit 😁