When I was 20, I knew nothing. I'd taken a big risk and gotten away with it — bought a plane ticket, moved halfway around the world, no real plan for what came next. This guide answers questions young people have actually asked me about money: what habits to start now, whether to pay off debt or invest first, what a Roth IRA and a 401(k) actually do, and why your paycheck matters less right now than your future earning power.
