These days, credit is too easy to come by. Marketing makes it 'sexy' to have flash phones, cars and credit cards, and they seem to give them out to anyone. Unless you understand your obligations and/or are disciplined, you can wind up with large bills that can cripple your cash flow.

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Focus on learning the true value of money and how to be responsible for your own.

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People this age can make mistakes and recover. They have time to make more money and save; they have time to compound investments over a reasonably long time-frame.

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