Starting from scratch - laying the groundwork

My brother, recently graduated from college, relocated to Wisconsin (where he complains about the weather) and has been living with me and Mr. Savvy. He's doing a lot of things that other new college grads are doing as they start the lives they've spent the last decade or more preparing for. Here's a rundown of what my brother and I have been doing in order to get his finances in order. 1. January 2005 - opened high yield savings account at ING with the help of his big sister (me). I gave him $50 and told him he could make another $25 if he opened the account through a referral link. I could see him calculating in his head how much beer that would buy (on fire sale, of course), so he did it. Granted, his balance hasn't been more than $1 since, but he still has the account, and he's in the process of linking it to his new checking account. 2. July 2005 - he consolidated his student loans, even though he had a year of school left. He has a considerable amount of student loan debt (six years in college will do that to a person), but he was fortunate enough to consolidate while rates were under 3%. His payments have been on time, and he's signed up for electronic payment deduction, which has brought his interest rate down to 2.5%. We knew rates would be climbing, although we didn't know they would shoot up over 7% so quickly, so this really was a lucky move. 3. Unfortunately, consolidating student loans also means you can't take anymore out, even if you are still in school. My brother still had one year of school left, and he did most of it on a credit card.... so he graduated with $2,000 in credit card debt. In June 2006, he opened his first 0% credit card and did a balance transfer. He now has a year to pay off his credit card debt, interest free. 4. Started a Yodlee account to track his finances. He's got his checking and savings accounts hooked up, his student loan account, his credit cards, and his Sharebuilder accounts (opened for the bonuses). He will add his retirement account when his opens it. 5. Sat down and budgeted how much he will save, spend, and contribute towards loan repayment each month. With these numbers, he is comfortable committing to a $300 IRA contribution, and he has good estimates on when his debts will be repaid. He's also signed up for his workplace benefits, opened credit union checking and savings accounts (with overdraft protection), and run his credit report. I'm sure there's more to be done... there's always more. Anyone have any other suggestions for things he should be doing?