According to Adam Nash, co-founder and CEO of Daffy, the two most common mistakes people make with their money are not taking responsibility for their financial life and falling into the trap of lifestyle creep. Taking responsibility for your financial life means understanding and managing your financial opportunities and challenges. It's an ongoing learning process that should start from a young age. This is why Daffy is committed to raising money-smart kids, providing actionable tips to incorporate teachable moments about finances into everyday life. The second common mistake, lifestyle creep, is the tendency to increase spending as income increases. This can make it difficult to save money or stay solvent when income decreases. Adam Nash suggests that the best way to avoid lifestyle creep is to resist the urge to spend more just because you're earning more. Instead, consider using the extra income to boost your savings rate and achieve your long-term financial goals. Daffy, as a not-for-profit community built around a modern platform for giving, is an excellent option for a Donor-Advised Fund (DAF). It encourages responsible financial behavior and provides a platform for individuals to give back to their communities. By avoiding these common financial mistakes and choosing to invest in a DAF like Daffy, you can ensure your money is being used wisely and for a greater cause.