Depending on who you talk to it may seem like it's playing piano and chess at the same time, that you need to have gone to school for this sort of thing. They make it seem like it is so much more complicated than it is. Due to this, up to 80% of people aging 18-24 have not even THOUGHT of planning for their long term finances. These young years are crucial, even if you are not investing right away, knowing what to do is important.