Book excerpt: Children from low and moderate families are the ones that struggle the most with their personal finances all their lives. Therefore, young adult, as you go, start thinking about your financial future on your way through life. Learn why you are an asset, very important, and should be the number one item on your payment list. Understand why it is significant you start saving and investing with the little money you have now. Learn how to open an account: savings or checking account and choose the financial institutions suitable for you to save. Know the financial instruments used, learn about credits, credit cards, good credit, bad credit, good loans and bad loans. Understand the power of interest rates, student loans, insurances, and fees to avoid. You can learn about safe investments you can invest and diversify in while gathering your money for bigger investments.