NEW YORK (TheStreet) -- Let's face it, personal finance isn't nuclear physics.The basics are so simple that anyone can get the concepts downin less than a day -- spend less than you earn, save and invest therest. Knowing what should be done and actually doing it,however, are two different things. Most people realize that spending more money than they have is a bad, bad thing. That still doesn't keep millions of people from racking up credit-card debt. Here are 10 money lessons I wish I had known when I was 20 (I'm now 42 years old), which also have the power to change your life if you are able to embrace them.
TheStreet’s Fundamentals of Investing Course will teach you the keys to making the right decisions in any market.
TheStreet’s Personal Finance Essentials Course will teach you money management basics and investing strategies to help you avoid major financial pitfalls.
TheStreet Courses offers dedicated classes designed to improve your investing skills, stock market knowledge and money management capabilities.
More from Personal Finance
These Cities Have the Best Quality of Living in the World
Most U.S. cities have seen a decline in personal safety, and none made the top of the list for quality of living overall.