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It's time to check some quick things off your financial to-do list.Yu Han/Samantha Lee/Business Insider

When it comes to handling your finances, some decisions, like buying a home or starting a business, take months of research and planning.

Others take 10 minutes.

From opening a high-yield savings account to deciding to be more generous, smart financial decisions don't always require a drawn-out process — so there's no reason not to go ahead and check them off your list.

Below, 12 Business Insider colleagues share the 10-minute money decisions they wish they'd made earlier in life. 

Responses have been edited for length and clarity.