At 21 years old, NYU undergrad Scott Gamm is not your typical co-ed. Since the ripe age of 17, Gamm has been an avid student of all things finance.
He launched a blog, HelpSaveMyDollars.com, soon after the recession took hold as a way to help people his age grow into conscious, responsible spenders and savers.
Gamm released his debut personal finance book, "More Money, Please: The Financial Secrets You Never Learned in School," last week. We asked him to share a few tips that every 20-something should learn to master their finances early: