There are numerous financial planning and money management handbooks, but few focus on the needs of young adults between 16 and 25 years of age. Colleges and some high schools are increasingly offering courses covering money management, but the materials are more focused on economics than the real world. Young people form a powerful group of consumers-who want what they want when they want it-but many have not been taught the value of planning and accumulation in order to reach their goals. Two of the most important aspects of good money management are the time-value of money and its...