Once you can do that everything else falls in place. Really, there are very few things in this world that are not funny if you really think hard about it, if you can laugh at it; you win.
**Disclaimer** I am young. So maybe my advice is not wise, follow at your own risk.
I have no financial investment advice because I really only ever pay attention to my own $ and what is good for me financially might not be good for others.
Oh yeah, for the college students; do not go into debt for school. You can do it without loans if you keep your grades up.