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While being among the youngest workers in the labor force, year-olds tend to have the lowest incomes — and the least amount of financial know-how. But what few young people realize is that they have one key advantage over their more experienced coworkers: time. For example, time and the power of compound interest can make even modest retirement savings soar if started when you first enter the workforce.

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If there is one trap that virtually every young adult seems to fall into and that sometimes might even require a rescue from mom or dad, it's credit card debt. The ease with which credit cards allow people to buy now and figure it out later, combined with an overwhelming marketing push aimed at younger consumers, has led to an epidemic of maxed out somethings. While some parents may take a "live and learn" attitude, for many, their children's credit card mistakes can become a financial weight around their necks as well as the child's.

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In exchange for inexpensive freebies, such as T-shirts, pizza, hats, and highlighters, young adults were actively and often aggressively! Not anymore. Below is a list of CARD Act provisions that affect young adults with descriptions of how they impact college students and others whose age falls within the age cohort of traditional college-aged students i.

If you want a credit cardyou have to go through the approval process. The credit card issuer will review your application information along with your credit history to determine whether you qualify for the credit card. Some credit card issuers allow you to check online to see whether you're pre-qualified.

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Finding the right credit card can be tricky, especially for those with limited options due to their lack of credit history. Below is a summary table of the top credit cards for people with no credit history, including students and other first-time applicants who have limited or no experience with credit. Opening your first credit card and using it wisely can be a great way to establish and build credit.

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