Money Smart HawaiiUSA encourages families to start early by helping youth become lifelong learners about money basics of smart spending, saving, borrowing, and planning. We believe everyone can improve their lives by making wise financial choices. Home > Learn > Education > Money Smart Print A A A Featured topic Common Money Beliefs Where you seek financial advice says a lot about you. How do you decide where to open your first bank account, how to budget or pay bills? Although you might have been lucky enough to learn life skills in high school, most young adults don’t receive formal financial education. So, it’s likely you’ll need to seek guidance when it comes to money management. Read more Spend Wisely: Earning and spending within your means Good vs. Bad Spending Income Essentials Budgeting Basics Save Wisely: Saving for now, later, and the unexpected Emergency Fund Boot Camp Borrow Wisely: Building credit and using it responsibly Breakdown of a Credit Score Boost Your Credit Score Loan Basics Buying a Used Car Plan Wisely: Investing and protecting your money Owning vs. Renting a Home