Oh this is solid advice! With the number of insanely bitter scammers online who prey on young healthy minds and mentally and financially scam them, this is important!
Also emergency fund - yes. I’d maybe use a broader phrase- financial independence. Hands down the most important asset for anyone.
There is plenty of research on “toxins”- especially on how when u start also matters heavily for your overall wellbeing and brain chemistry.
Good advice .