COLLEGE PARK, Md., Nov. 17, 2016 /PRNewswire-USNewswire/ -- November is Financial Literacy Month, and finance professor Albert "Pete" Kyle at the University of Maryland's Robert H. Smith School of Business has some smart saving advice for every decade of your money-making life. He's also part of the UMD Center for Financial Policy's Consumer Finance Speaker Series. Over your lifetime, you'll earn quite a bit of money. But it might never feel like a lot, depending on how you spend, save and prioritize. If personal finance leaves you feeling clueless, you're by no means alone, judging from the results of the Organisation for Economic Coordination and Development's recent global survey about financial literacy. The survey of nearly 52,000 adults across 30 countries showed that only 60 percent of people had a set household budget. Fewer than half of people shopped around when choosing a financial product. And barely 40 percent of people could determine whether a $100 savings account compounding at an annual interest rate of 2 percent a year would grow to more or less than $110 over five years. In Your 20sWhen you're still in college, teach yourself self-discipline in spending and get by with as little debt as possible. "That means don't go to bars too much," Kyle says. It also means avoiding pricey coffee drinks and expensive snacks. Get yourself a credit card, and pay it off at the end of every month, if at all possible. "This is as important as any university course you'll take," Kyle says. When you leave college and you're interviewing for jobs, ask about the potential for advancement within the company and choose a job that has a pathway for growth. Pay close attention to the kinds of retirement benefits that companies offer.