Budgeting? Not sure. IRA? No idea. Do I have money? Nope. Should I learn how to save? Definitely.
I don’t care how responsible you think you are, saving money in your twenties is damn near impossible. You’re still young so you spend money on going out, having fun, going to dinners, and whatever other crap you spend money on that you shouldn’t be spending money on.
It’s really kind of a shit storm, and these people explain it perfectly: