Step 1: Be accountable and responsible
Plot your course
Step 3: Understand your income
Step 4: Open a checking account
Step 5: Start saving and investing
Step 6: Create a budget
Step 7: Borrow smart
Step 8: Manage your credit cards wisely
Step 9: Review and understand your credit report
Step 10: Protect yourself from identity theft
Step 11: Understand your tax liability
Step 12: Know when to ask for help