Being An “A” Student With Money: Why People Don’t Care About It

Being an “A” student with money is no longer a viable option, it is an absolute necessity in today’s economy! If I am not able to handle my money well, financial ruin is on the horizon!

I’ve talked about this before, but I can’t help but come back to this topic 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

Being An "A" Student With Money - 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.

Being An "A" Student With Money - Circle of Bills

The reason problems come about is because of choices that I make. I can’t blame my money 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 About Being An “A” Student With Money

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.”Being An "A" Student With Money - C.A.R.E

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:Being An "A" Student With Money - Handling Money

  • 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.

Some Other Money Management Techniques

  • 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.

Being An "A" Student With Money - Shiny Online Business

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


Jacob Highley

Jacob is the featured author on FSB. He is a seasoned Internet Marketer and Financial Expert. Some of his professional experience includes, Real Estate, Stocks, Business Management, Crypto Currencies, and he is a veteran Online Blogger. He is an avid reader and investor. He has a passion for helping others succeed and overcome obstacles in their lives. He believes that "Knowledge Is Power", and that people have the ability to do anything they set their minds to. You can read more about him, Here.

8 thoughts on “Being An “A” Student With Money: Why People Don’t Care About It

  • May 2, 2018 at 7:45 pm

    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.

  • June 29, 2018 at 1:29 pm

    This is a really great article. Too many people think that going to school will solve all their money problems, only to be up to their noses with debt after graduation. Great tips on how to actually have money while still doing well in school.

    • July 11, 2018 at 9:27 pm

      Yep, academic education doesn’t equal experience and not properly preparing for debt or future work is a bad idea. I know too many young guys and gals going to college with zero hesitation about taking on tens of thousands of dollars of debt. It will take them years to pay that off. Not to mention that is assuming they can even get a job! I wrote an article about the best starting books about investing, and I highly recommend them to anyone.

  • June 29, 2018 at 3:25 pm

    Hey Jacob some good points here. I like the C.A.R.E acronym. This is such a critical skill to have that I don’t know why its not taught in schools — and even in some homes. I think its good advice to tell people not to spend what they don’t have. I have gotten into trouble with credit cards as the temptation is great to spend this credit. But it really catches up fast and it really does take discipline to stay on budget. Getting a coach or mentor is also worth doing if possible just like getting a fitness coach when you want to be serious about training. What’s the earliest age you think a person can start to learn to money manage efficiently?

    • July 12, 2018 at 6:31 pm

      Most children can start learning to manage their money at age 7…maybe even sooner. Probably in very basic ways. My parents introduced me to many of the principles of money management when I was about 10 years old. Ever since I was introduced to Mvelopes, I have been able to successfully management my finances and get debt free!

  • June 29, 2018 at 6:58 pm

    Hi Jacob,
    Great article! Will have to read it again and study it. This is one post jammed packed with very useful information which I would bookmark and come back to for reference from time to time when looking for tips on money management.

    Totally agree with you. Positive thinking is not enough, but effective thinking is required in the modern time.

    Thanks for sharing your insights.

    • July 12, 2018 at 6:34 pm

      I know many optimists, few money magnets. People can spend so much time on the non-essential that we forget what is really important, and when we realize what we’re doing wrong, we tend to justify our actions by making excuses. A good example of this is when you realize you could have made millions in a certain stock had you spent the time and money investing instead of watching TV. You then make the excuse, “Eh, it would have failed anyway”, or, “I don’t care about money”.

      Glad my post helped you!


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