The five years after I graduated from college, I racked up big-time debt!  I realized I had to get things under control & signed up for Consumer Credit Counseling Service.  It took me as much time to pay off my debt as it took to spend it.  This is the one issue I wish I could impress upon recent grads.  But really, everyone that's lost a job, experienced a decrease in pay and otherwise been affected by the economy.

When you think of hard times, you may not think of the wealthy folk, but not everyone was born with a silver spoon in their mouth.  Here's some good advice if you're not in the best shape financially.

Most successful and wealthy people have overcome obstacles and failure along the way. Steve Jobs was ousted from Apple when he was 30. Today, he's a billionaire and a legend. Plus, after getting fired, he created another billion-dollar media company, Pixar.

More advice on how to get ahead at Yahoo! com