All the personal finance advice you need would fit on a 3-by-5 card, Harold Pollack quipped in a 2013 interview. Immediately people wanted to know: Where’s the card? So Pollack, the Helen Ross Professor in the School of Social Service Administration, scribbled down some ideas and posted a photo, which went viral.

For College Review, Pollack created this new, potentially viral index card specifically for recent graduates.

• Pay your credit card bill in full every month.
• Keep a budget and spending diary. Pay cash up front whenever you can.
• Don’t smoke. Mind your alcohol and dining spending, too.
• Start saving early. Make it automatic, ideally through a 401(k).
• If you have a job and no kids, aim to save 20% of pretax income.
• Invest in low-fee total stock index funds, ideally in a 401(k).
• Open a Roth IRA if you don’t have access to a 401(k).
• Don’t buy individual stocks or try to time the markets.
• Think federal first when borrowing for school. And don’t combine public and private loans if you consolidate.
• A focused and rigorous major matters more than where you go to college.
• Don’t push your friends to overspend. And beware the same peer pressures applied to you.