What's the best advice you'd give to a young person starting out managing their own $$?

Mine:

1. Set up auto transfers into your savings/investment accounts

2. Have at least 3 mos, if not 6 mos emergency fund

3. Don't charge on a CC more than you can pay off within a few mos.

4. Don't loan anyone money or co-sign for anything, ever. If you MUST help a friend or family member, figure out what you can afford to gift them.

5. Check your statements every month. You may notice charges you don't recognize or where a merchant overcharged you

Oh, two more things.

6. Live within your means. A lot of people spend too much and when they start to earn more money, instead of having more financial security, they increase their expenses just because they can afford it.

and

7. BANK WITH A CREDIT UNION!