<p>Agree with the above. One other thing to always keep in mind, “If something sounds too good to be true, it probably is.” This likely means that someone is trying to scam you if they promise you LOTS of money if you make a quick decision & give them a lot of money up front with promises of great returns to you.</p>
<p>Main thing is to spend less than you make or have and you really should be fine. My kiddos did NOT take any personal finance courses but had no problems spending very little and living within their means. For debit & credit cards & checking accounts–these are just more ways to spend money–anything you spend has to be repaid by you. Treat everything like cash and you won’t go wrong. Pay all your bills before they are due and do not incur finance or late charges.</p>