You shell out cash and swipe a credit card on a daily basis, but money can still be a taboo topic. “Since personal finance is not taught in most schools, most of us never learn anything about money before we dive into handling it,” says Alexa von Tobel, founder and CEO of LearnVest, a financial planning website. And that’s a recipe for financial disaster. Follow these essential rules to make your money work for you, at any age.

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