adviceansweredavoidbalancebestbudgetbuildbuychangecreditdealfinancefinancesfinancialfreedomgoalsgoodhsainvestmentinvestmentslesslessonslongmakemanagemanagingmuchneednowpersonalplanplanningprocessquestionsrerightriskssaveshortspendstrategicstrategiesstudentsuccesstakestermtomorrowunderstandinguseusingwantwayswealthwellwithoutworth