I will save instead of giving my last penny. Stop spending unless I know there's enough money left on my next check. Pay off all my credit cards and loans. And get my budget back on track to make the appropriate changes. Early in my life I wish I knew the ABCs of finance. Apply money management skills to your way of life. It is an untouchable investment obtained to have a comfortable retirement. Investing in myself using the skills provided and learned. And as Benjamin Franklin says it best: “An investment is knowledge, which pays the best interest.” The financial advice I would give to someone starting out is to study and apply money management skills to their life. Learn the steps to avoid getting into debt. Learn to shop to save money through coupons, clearance shopping, and price matching. Avoid temptation by not purchasing insignificant items whenever you have funds, prioritizing first. And use half your tax money to invest, then pay your bills and anguish but be