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No matter what your dreams are, the key to financial security is to have a "financial plan." That means you should set financial goals and start saving or investing to reach those goals. While that may sound hard, it doesn't have to be.

You'll first need to figure out where you're starting from - for example, how much do you owe, how much money have you saved already, how much money will get from your job or your parents. Next, you should set goals. Do you want a car? A college education? New clothes?

Make your own list and then think about which goals are the most important to you? List your most important goals first.

What do you want to save or invest for? By when?

Once you know what you want, when you want it, and how much it costs, you can figure out how much you need to save each week or month or year.