You are an independent thinker who has chosen not to follow the financial practices of your parents or other role models, but you have not yet developed a consistent approach of your own. Financial decisions may seem overwhelming, or your focus may be on other things. Because of this, you make financial decisions impulsively, without much thought about consequences. You may know that improving your financial wellness is important, but you are unsure how to take the first steps. It is important to realize that the sooner you start, the easier it will be to get on a better path for the future.