It is really difficult to grasp key principles in personal finance. Here are a few.
1) Spend less than you make
WOW! That is really difficult to grasp!
2) Do not buy anything you cannot immediately pay for
TOUGH! Man, this is really hard.
3) Save money for a rainy day
This is just too difficult of a concept for me.
To those who think personal finances are too hard, I agree with you.