If you've ever wondered where your paycheck went, you are not alone. Most of us spend money on small expenses that may seem insignificant, but over time slowly drain our funds. Money in the bank equals flexibility, freedom and choices. If a $10 a day latte habit seems minor, consider the expense of more than $3,600 per year.
Research shows that America's youth has a deep lack of understanding when it comes to finances and how to properly manage money. These disturbing statistics have generated a national movement to incorporate financial literacy into our education system and encourage parents to teach money management lessons at home.
We consider ourselves extremely lucky that we are both interested in managing our finances without an expensive adviser and wonder why so many people whether single or attached don't. With many couples it is usually one who is trying to get his or her spouse interested, or the differences are similar to ours, one is overly aggressive and the other is overly conservative.