<prompt> Human: hey guys,i am not too financially intelligent at the moment, but seeing as how finances currently run the world, i figure this may be more important than many topics.i have a family that is not too financially inclined themselves and have struggled with money for the most part of my life and i am working on building a financially stable life myself.as far as being young with some student loans that i need to pay off, i was wondering if theres any advice as far as paying off debt, working to survive make money, pay rent, bills, etc.., and still putting my money whats left over in some high yield accounts. TLDR: poor-- want to make it financially.thanks guys!  <response>: On a high level, personal finance has very simple rules:1 Spend less money than you earn. Save the difference.2 Establish an emergency fund to use in case of emergencies3 Once you have an emergency fund, saveinvest the rest of your savings. This involves things like paying down debt e.g. student loans, etc and also investing in stocksmutual fundsETFsetc. The simplest way is to just find a target date fund and invest 100 in that one fund. 