If you’re new to the work force or haven’t quite established yourself there, you’re probably keeping a pretty close eye on your bank account. On top of new regular expenses like rent, gas, groceries, you may have student loans to contend with. For a lot of people every cent has been allotted before they can think about what to do with it.  

When you start a job you’re given a starting salary. In general your earnings will increase over time. Your regular employee reviews will influence the incremental increases somewhat, but if you don’t do something to actually accelerate your earning potential, you’re probably on a slow road to fortune.