Hey, you there—the one who just threw that penny in the trash. Didn't anyone ever tell you money doesn't grow on trees?

If you aren't saving any money, ask yourself when you plan to start. Next week? After your next raise? That's what you said last time.

Dude, that new MacBook Air looks so-o-o cool. The thing only weighs 3 pounds—less than my board. And, it's only three quarters of an inch thick. They start at $1799…. I've got $300 and the rest can go on my credit—

Go to any college campus, find the kids who put their best foot forward, and you can bet your booties, most of them have had to cough up part or all of their tuition.