Congratulations, new graduate!  Now that you have your sheepskin in hand, it’s time to really grow up and start accreting personal wealth. But first, let’s assume a few things:
1. You’re not pursuing a graduate degree.
2. You have a plan to obtain whatever professional credentials or certifications you need or want.
3. You’re circumstances don’t allow you to live with your parents for a few years (a good means to save).
4. You have a job.
5. You have no money; you’re broke.  You have maybe $1,000 to your name, if that.
6. And you’re willing to sacrifice to generate personal wealth….