13 smart 10-minute money decisions our coworkers wish they'd made sooner

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.