John Oliver is great at explaining complex topics in a clear, down to earth, and humorous way. Last week he explained the messed up world that is financial advising. 

As a favor to your future self, it is worth watching this for 20 minutes. If you only have three minutes to spare right now, watch it from minute marker 18:15, where one of his colleagues outlines five key things to do for your financial wellbeing. If you don't have three minutes, here they are:

1. start saving now,
2. use low-cost index funds,
3. if you have an advisor, ask if they are a fiduciary. If they say no, run.
4. as you get older, gradually shift your stocks into bonds, and
5. try to keep your fees like your milk, under 1%. Because just like interest compounds, so do fees.