If you are a victim of identity theft, you are only responsible for paying back half of the debt

Your FICO score is only affected by your debt

You must go to a prestigious school in order for employers to recognize your talents and strengths

Your bank statement balance will always match your check register balance

A payment for a 30 year mortgage is twice as much as a payment for a 15 year mortgage

Since you are a teenager, what you do now with money will have little effect on your financial future

Your income level greatly affects your saving habits

Most Americans today are wealthy and have financial security when they retire

If you plan to attend a community college for your first 2 years, some of your courses will not always transfer to the 4 year college of your choice

Saving over time means you will never tend to go into debt

You should shop for the best price for your education in the same way you comparison shop for any large purchase

Never buy something you do not fully understand

Pay yourself first means you should assign a portion of your income to saving and investing every month

Budgeting is crucial to your financial success

The best quality colleges are always the most expensive

You save for 3 basic reasons: emergency funds, purchases and vacations

Your emergency fund is considered an investment

Obtaining financial aid to the only way to help pay for your college degree

The first thing you should save for is your retirement fund

You should never wait overnight before buying a major purchase because they may not have anymore the next day

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