The simple version.  I'm very successful, here it is; Get a damn education.  Like one that your parents approve of.  Not social studies please.  Engineers to the front.   Save your money a bit.  Invest maximum 401K matching at your Job.   Be disciplined/take full responsibility for your life.  If your male, find something to live for other than jerking it to porn.   There you go, I saved you from all the bullshit.  If you're in America enjoy being a part of the global elite that everyone is annoyed of.    And uh, if you train wreck your life, don't give up.  I know a little bit about getting massively off track in life and then making a big come back.    Foundational personal finance advice: Loans and credit should only be used as a form of investment for your future.   This means loans for education, vehicle to get to work/school, a house, and in case of emergency medical bills.