Without any formal personal finance instruction in our high school or college curricula, many college seniors who graduate in the red will continue to make common financial mistakes that only exacerbate their debt burdens.

Without any formal personal finance education or trustworthy resources to tell them otherwise, the majority of people in the 18-to-24-year-old age bracket do not know how to use credit effectively, tackle debt or make wise decisions when it comes to spending.

When you have a lot of money, there's so many places you can go to manage your money. But when you don't have money, mathematically you actually need a financial plan more. You can't really afford to make mistakes. So why is this such a luxury product?

I'm 18, I'm going to graduate high school in a few months.

At times during high school and college I wished to be a sportswriter.

I guess I was popular in high school.