Fiction: I'm too young for financial planning.
Fact: It's never too early to start forming good financial habits. Creating a budget, paying down your debt, saving for big events in your life, and balancing wants and needs are all things you should be thinking about in your younger years. Plus, the younger you are, the more time you have to take advantage of compound interest on your investments. It never hurts to develop a plan for the future, no matter your age.