@DearS_o_n If you have a contingency fund you'll save money. You won't go into debt for emergencies. You'll be happier because everything won't stress you out. You won't have to put yourself in terrible scenarios because you need money.
@DearS_o_n Don't get married, save up and buy a car outright, if you can save a ton of money not renting or financing a home, do it.
If he was still willing to listen after a year later, buy dividend yielding stocks off the S&P 500.