Many of us wake up one day as adults, and realize we're rather unsure what to do with regards to money. 

Come age 25 and we hear our friends talking about what they're doing to grow their wealth, but there are still so many of us who just pretend, so we don't look immature. 

Worry not, as we ourselves are not the best when it comes to money matters, but we do have a some advice for you to follow in order to get all your ducks in a row. 

Check them out, down below. 

1. Pay yourself first

As soon as you get paid, make sure that you put some of your money into your savings. Automating would also be easier. 

2. Keep an emergency fund

Whether you opt of for 3 months, 6 months or 12 months, this is safe. 

3. Budget using the 50/30/20 rule

50% for needs, 30% for wants and 20% for savings or investing. 

4. Divide your bonus

1/3 for fun, 1/3 for retirement, and 1/3 for debt (if you have any). 

5. Large percentage

Put a large percentage of your raises into savings or investing. 

6. Avoid high-interest debt

Lesser of a headache later on.

7. Take an employer's 401k match

This money means getting back 100% of your return. 

8. Home payment < monthly income

Whatever you pay at home (mortgage, interest, insurance) should costs 25% lesser than what you receive. 

9. Use the 20/4/10 rule when buying a car

20% down payment, 4-year loan and <10% of your income.

10. Save

At least 15% of your income should be poured into your savings. 

11. A tip

Your age subtracted from 100, should represent the percentage of stocks in your portfolio. 

12. Don't forget inflation

The stock market has a long-term average of 10%. Use 6-8% to capture the effects of inflation. 

13. The rule of 72

The stock market returns is 10%, so 72/10 is 7.2 years to double your income. 

14. 4% rule

You can safely withdraw 4% of your starting investment balance each year (thinking about inflation) and not run out your money. 

15. Net worth

Your net worth should be equal to your age times pre-tax income divided by 10. 

16. Insurance

Have at least five times your gross salary in term life insurance. 

17. Think before spending

When you want something, wait 24 hours to think it over. After 24 hours if you still want it, then buy it, if not you've saved yourself an impulse buy. 

18. Retirement first

Be sure to safe for your retirement first, before you decide to save for your kids education. 

19. Money isn't everything

Time matters more than money and experience matters more than things.