I don't know about you but when I turned 18 I didn't immediately set up a budget, open a retirement account, and sign up for a subscription to The Economist. A

I don't know about you but when I turned 18 I didn't immediately set up a budget, open a retirement account, and sign up for a subscription to The Economist. Actually I kinda did but that's besides the point. Not everybody grows up at the same rate.