I have a daughter who is 20 years old. Over the last few years, I have been trying to teach her how to handle her money. I’m proud of the fact that she has had a job, a bank account, and has been earning her own money since she was 15. Now a sophomore in college, she is receiving credit card offers daily and I don’t want to see her fall victim to the temptation of easy debt. Finances can be a difficult minefield to navigate as a young adult. I began thinking about what I was taught, what I have learned on my own, and what I wished someone would have told me when I was 20. Here is the advice I offered to my 20-year-old.