Dude, me too! It wasn’t until I was 29/30 until I realized how fucked I was with money. But I quickly got it in check and moved forward. Personally, I followed the Dave Ramsey program to the absolute T for getting out of debt and I utilize some other advice for investing, although Ramsey’s will work for most people.

This sub will throw you for a loop wanting you to go into more debt and get more credit cards for “points”. Just be careful.