If we're academically literate, it doesn't mean we are financially literate. In fact, we can be the smartest and score many As in our exams subjects but still have no idea how to plan for our financial life. University graduates are still getting into money problems because of a lack of financial literacy. While academic results are important, it is only the beginning of our life. A diploma or degree opens the first door to our career and the rest of our lives depends on how we manage it. When we start working, get married, buy a house and have children, managing money becomes an everyday affair. How well do we score if there is a financial literacy exam? More often than not, we jump right into investment thinking that it is the most important aspect of financial planning. That is the direct opposite of what we should do. Going right ......