5. Digging deeper into debt for grad school.

You’re not supposed to know everything. Those of us who survived our 20s tend to forget that when we’re anxiously peddling advice to young adults. Growing up is mostly about learning, and, yes, sometimes making mistakes along the way.

It’s good to be aware of some of the more egregious errors, though — especially in an area like finance, where a few solid habits and strategies will pay off again and again. These are the five most common mistakes 20-somethings make; post them on your fridge and do your best to sidestep them.

1. Ignoring your financial flow. At your first job, and whenever you get a new one, it will take a few paychecks to notice how much money actually hits your bank account after taxes and deductions like health insurance. And your earnings can easily evaporate if you don’t pay attention.

“It’s not what you make; it’s what you get to keep that counts,” says John Gajkowski, co-founder of Money Managers Financial Group in Oak Brook, Illinois.

Use a budgeting app or choose one way to make all your purchases — a debit card or a credit card that you pay off each month — so you can easily track spending.

2. Letting friends set the agenda. You’ll need serious willpower to avoid trying to keep up with friends who make more money than you, and who want to go out for drinks or dinner at places you can’t afford. When you

In the first quarter of this year, 2.6 million federal student loan borrowers paused their monthly payments through forbearance, according to government data.

In forbearance, payments are halted, but interest accrues. You’re in the hole a little deeper every day. That’s why it should be a last-ditch option for borrowers who’ve hit rough times.

Instead, ask your student loan servicer if you qualify for deferment first, since subsidized federal loans won’t accrue interest in the meantime.

Going to graduate school is more and more common: In 2015, 12 percent of adults age 25 and older had a graduate degree, compared with 8 percent in 1995, according to the Urban Institute. But grad school is not always a sure way to have more financial flexibility in the future, especially if you need to take out more loans to go.

Exhaust other ways to pay first, like attending part time and taking advantage of tuition assistance from work.