It may seem out of place in this list, but we’re actually quite serious here. Getting your birth control situation handled is the only way to prevent a $241,000 mistake – the average cost of raising a child over 18 years in the U.S. That number doesn’t even include college, by the way. While there is obviously nothing wrong with having a child, doing so on your terms is critical for your financial future. It would be silly to spend your time trying to build positive financial habits only to throw it all away because you ignored a $2 solution to a $241,000 problem.