Money - we all want it and need it and work hard to obtain it. Yet, many people have trouble managing it effectively. Let's face it, if everyone were good at it, everyone would be retired living on an island. All individuals have challenges when it comes to money and its management. Young adults are taught many things in school, but simple home economics concepts like creating a spending plan and tracking expenses are often overlooked. Not so young adults get caught up when life happens and are sometimes forced to make hard and bad decisions that threaten or ruin their financial health and...