I’ve talked about this before, but I can’t help but come back to it after I meet people who have no concept of what real education looks like. For those of you who have followed my posts, you already know that I like to jab the current academic curriculum that US government instills.

There are no entrepreneurs coming out of high school unless they were introduced to business or investments by an alternative source.

My parents introduced me to making money online or investing, not my school curriculum.

I meet “A” academic students who nothing about good financial management. That is why today I will be talking about being an “A” student with money.

At the end of this post is a solid list of tips to be an expert money manager.

Let’s begin…

Why Numbers Don’t Lie

Numbers aren’t alive, they don’t have minds of their own. Humans are the ones with problems. I can look, sound and act as professional as I want, but numbers don’t wear a mask.

All it takes is a few minutes to look over a financial statement or speak with someone who has never managed a budget to see the state of our economy.

The problem isn’t the money. There is never a shortage of money, there is a shortage of responsible and educated people. I really do pity those who want to go to college without a firm grasp of what it means to be successful.

Moreover, I pity those who think they are going to retire with a job. You are among probably 1% of people who will ever be retired wealthy from a job today if that is the case. The cost of living has just gotten too high.

Money Management Is Better Than Tons of Cash

Cash isn’t the solution to problems, and frankly, it never really is. Money is a tool, but just like a hammer, it can’t do anything without someone using it. People commit crimes, not the tools they use.

The reason problems come about is because of choices that I make. I can’t blame my m

oney problems on a small wallet, my job, my spouse or colleagues because in the end, I made a choice to let those things influence me.

Everything is a choice, and if I am in the habit of making bad choices, greater amounts of cash are only going to be bigger problem for me. The small amounts show you how you will handle the big amounts.

People Don’t C.A.R.E

One of the greatest tragedies of our generation lies not in our academic accomplishments or our relationships, but in our desire to learn authentic and true information.

I once spoke with an elderly man who advocated that people need to seek the truth. He said that without asking, “What is the truth?”, we fail.

To emphasize my point, I have created an acronym based off the word “care”. (If someone else has already made this acronym, please note that I am not trying to rip anyone off)


C = Crave

A = A

R = Real

E = Education

I have spoken with people about becoming financial smart, and they will say that they don’t “care” about money.

Here is what I hear when people say that they, “Don’t care about money”.

“I don’t crave a real education about money.”

Of course that’s not what they mean when people say that to me, but that is actually what they have told themselves. This happens for various reasons.

I could feel guilty about having more than others, I might view money as physical evil, I might associate money with marriage problems, or I might detest money because I don’t know enough about it and don’t believe I can learn.

In any of these circumstances, my belief is still the same, “I don’t C.A.R.E!”

Not taking the time to learn about one of life’s most prominent subjects is a sad reality that many people have accepted. They will never grow past their financial problems and blame them on everything except their lack of experience.

Mindset Doesn’t Equal Skill, Thinking I Know

Here’s one that never ceases being one of the most important subjects in life. It is also one that’s regularly ignored. 

I think the lack of mindset in modern day life is actually a greater indication of internal or spiritual depravity than it is a lack of financial skills. People with great backgrounds and prestigious educations can wind up worse than someone working for minimum wage.

I am not trying to come down on anyone who has a poor job or position currently, I am simply providing clarification by comparison.

People dictate what their situation in life will mean for them and to everyone around them. I can think I am fine when I’m not, and not take the time to learn important information.

Unless what we learn is applied, that information isn’t a part of our lives and we will never grow. Fun is important, but we need to make time for what really matters too!

With all of this information in mind, I hope the following guide will help you:

How To Be A Perfect Money Manager

There are some simple steps to managing money and using money better. The following list is not definitive, but I believe it is rather exhaustive:

  • When setting a budget, adhere to it.
  • Allocate funds for specific uses. If I am going to spend money for a care repair, I should have an allocated amount of money for something like that.
  • When managing money, be aware of any debt that has come up and have a payment plan or plan of action to pay it off.
  • Credit cards test your credibility. If you are going to use credit cards, have a way to track transactions and keep track of how much you are spending on that card.
  • Don’t spend what you don’t have. With great financial management comes the temptation to use one fund for another, especially if you know how much you have to spend.
  • Loans are to be invested in, not to be given. If you are going to loan money, have a record of that and plan to get it back.
  • If you invest money, be willing to lose it, but have a plan to get it back with interest.
  • The rich believe in delayed gratification and treat their budgets like they would a business associate…with respect.

I have reviewed many incredible books on the subject on financial success, check out my review on the best selling financial books on Amazon Here.

Let me know if you have any questions and leave me a comment below! I will do my best to get back to you asap!


Jacob Highley



  1. Some great tips…. On my last trip, i tracked every single dollar that i spent. I’d regularly total and look at what i’m spending the most on… little things add up. We all definitely need to be wiser with money management.

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