I personally did not learn to properly manage money until I reached forty. I thank God It was before I turn fifty. I can't stress enough to you to learn basic money management skills. Budgeting, having an emergency fund of 3 to 6 months expenses, living on less than you earn and investing for the future. Here are a few good books to read.

The Total Money Makeover and Financial Peace by Dave Ramsey.
The Millionaire Next Door.
Rich Dad Poor Dad.

These books will change your life. I wish I could have read them when I was twenty.

The Millionaire Next Door is a great book and sooooooooo true.

Also I would recommend, The Richest Man in Babylon.

__________________
Gary Spicuzza, *SAFE
Copyright 1956
No Rights Reserved
*Self Appointed Financial Expert

I ordered this book a couple day's ago from half.com, I can't wait to read it.

You should check out SavingAdvice.com forum