When everyone zigs, zag. Life is all about trying to get somewhere first.

Even if you feel like your debt is just never going to go away, think long and hard before declaring bankruptcy. Declaring bankruptcy means that getting a loan for anything will be next to impossible for the next 10 years.

Money shouldn't be worshiped and it shouldn't be ignored.

Without any formal personal finance instruction in our high school or college curricula, many college seniors who graduate in the red will continue to make common financial mistakes that only exacerbate their debt burdens.

At LearnVest, we're working to make financial planning both accessible and affordable so that everyone has the opportunity to get on track financially.

The best advice that I can offer is that being proactive and a careful planner is key. Think about the major things that could shake up your financial life, and Ill bet there are some great ways to protect yourself.

Get up, dress up, and show up.