<prompt> Human: Well, Im 16 dont know a lot about money management, but Id rather learn about this now than later. My parents gave me advice regarding money management and got me to start making a weekly budget for myself on excel just to give me some budgeting experience. Id like to hear what Reddit users have to say though, so Reddit. What would you tell a 16 year old you regarding personal finances?Oh, one more question. People saying you should wait until youre done university and have a job to get a credit card is something Ive heard in real life, and on Reddit, but I never found an explanation for this. Would anyone mind telling me why?  <response>: I think its hard for people to take away something from conversations. Sure, I could tell you anything and everything, but theres one thing that will stick with you: habit.Habit. Get in the habit of saving money. Get in the habit of paying bills. Get into the habit of taking care of finances. Get in the habit of doing these things, and youll be set. 