You have to pick a road if you want to end up somewhere worth going. Here are 3 road maps to choose from.

Without telling your money where to go you will get to the end of the month and wonder were it all went. Lucky for you budgets have never been easier to track and get control of your money.

Build a 1 month Emergency fund as fast as possible then once your consumer-debt is gone build up a 3-6 month fund.

Protect your family from financial ruin by getting proper insurance.

Bonus Lesson: Learn how to make more outside of a career move or going back to school.

Learn how to get out of debt, what debt is good and how most Americans spend their money.

Learn how to pick the best college for you and how to pay for it.

Monthly payments for where you live can tie up all your money and hold back your future. Spend a little time comparing the options.

Bonus Lesson: There are plenty of high income earners that overspend. In order to have more money for what you deem important you must learn to spend less on what does not matter.

Learn what it takes to save and invest for a return on your money. Perhaps you can afford that big dream drip or have the hope of retiring in comfort.

Learn to make a plan to be wealthy and to be able to retire. Learn were to shelter your investments from taxes.

Bonus Lesson: Every person and especially every business needs to be more efficient, use technology, improve marketing and craft a compelling business identity.