As a result of approximately 15 years of filing and managing consumer bankruptcy cases as an attorney, Carol L. Stokes learned too many children are growing up in households with those who live by this "live today, worry tomorrow" motto. The children in these households, in turn, learn by example to mismanage their finances. A cycle of poor financial management is then created. BASIC BEGINNINGS: A Finance Management Handbook for Teens and Young Adults is a resource Carol created to increase financial literacy. Imagine our young people knowing such basic concepts as "budgeting," "compound...