Commencing your new life (Part 2)

Damon Darlin of the New York Times (yes, I know, it is my favourite reading and if it wasn't for NYT, I will be struggling for materials) wrote recently about financial planning for the young graduates. I agree with him that even though you thought you are the smartest person in the world when you graduated and you have managed to get your first job already, you need to know how to manage your