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These money decisions you make in your 20s and 30s could make or break your future

Here are some of the most important decisions we make in our 20s and 30s, and what you might want to do differently if you still have a chance:

1: Where you live

Where you live — and how much you pay for housing — can play a huge role in your future financial state. However, it's important to note that the sword strikes both ways. Living in the inexpensive south or Midwest will absolutely help you save money, but you may not have the same type of job opportunities you would in a larger city or metropolitan area.

The average rent in a one-bedroom apartment in Boston, San Francisco, or New York City may range from $2,930 — $3,680, but you have to factor in what big city living could do for your career. While you'll pay out the nose for a place to stay, you could make connections that could lead to much greater earnings overall.

And, let's not forget that salaries in big cities tend to be a lot higher. A marketing manager in the New York City metropolitan area earned an annual mean wage of $188,510 in 2016, but the same job in Western Central Illinois paid just $83,000.

Poll: What is your mortgage payment and Insurance cost for your 2+ bedroom / 2 bath HOUSE and what region?

We live in Lawton Oklahoma and we have a 1600sqft 3 bedroom, 2 full bath house with an attached 2 car garage, large privacy fenced in yard and covered patio. Our mortgage payment is 644 a month, 80 for taxes and 80 for insurance for a total of 804 a month.