I will save instead of giving away my last penny. Stop spending unless I know there is enough left for my next check. Pay off all my credit cards and loans. And get my budgeting back on track to make appropriate changes. Very early in life, I wish I knew the ABCs of finances. Apply financial management skills to lifestyle. And an untouchable investment obtained to have a comfortable retirement. Invest in myself using the skills given and learned. And Benjamin Franklin said it best: “An investment is knowledge, which yields the best interest.” » The financial advice I would give to someone starting out is to study and apply your financial management skills to your life. Learn the steps you can take to avoid getting into debt. Learn how to shop to save by couponing, shopping during clearance sales, and price matching. Avoid temptation by not purchasing trivial items every time you have funds, prioritizing them first. And use half your taxes to invest, then pay your bills, and be distressed, but be