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Introduction: Why Nobody Taught You This
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Chapter One: Understanding Your Paycheck
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Chapter Two: The Four Accounts Everyone Needs
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Chapter Three: Budgeting That Actually Works
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Chapter Four: Credit Cards — How They Really Work
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Chapter Five: Debt — Okay Debt Versus Dangerous Debt
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Chapter Six: Subscriptions, Buy Now Pay Later, and the Slow Bleed
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Chapter Seven: Common First-Job Money Mistakes
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Chapter Eight: Saving for Something Real
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Chapter Nine: The Emergency Fund — Your Most Important Account
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Chapter Ten: An Introduction to Investing
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Chapter Eleven: Retirement Accounts, Explained Simply
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Chapter Twelve: Renting Versus Buying — The Real Numbers
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Chapter Thirteen: Insurance Basics — What You Actually Need
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Chapter Fourteen: Negotiating Salary and Asking for Raises
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Chapter Fifteen: Building Credit the Right Way
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Chapter Sixteen: Putting It All Together
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Closing Thoughts
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