<p>Your being concerned is a very good sign. Try to take a personal finance class. It will be one of the classes that really does help you throughout life. Will things come naturally? I think that depends in large part on how your parents treated financial matters. I have many multi-generational families as clients, and the apple doesn’t usually fall far from the tree. Not to worry if you want to do things differently though–you can! The best place to start is by applying dstark’s rules and always save something for the future and emergencies.</p>