Financial Advice for a 20 Yr Old

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.

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