Youth is the time of getting, middle age of improving, and old age of spending --- Anne Bradstreet.
You are a financial being since the day you were born, you are not aware of it until adulthood.
After graduation or even earlier, you need to develop a good career, open a savings a/c and save to find a house.
After which you get married and have babies, you must get for yourself and family insurance.
You have to think for you kid’s education when they grow up. If your spouse drops out of the work force to care for the children you need to make up for that lost income.
Divorce or health crises will eat up money faster than you could possibly imagine.
Assuming you stay healthy, you don’t smoke and drink and don’t fool around and relatively free of financial worries.
You are still not off the hook, because once you reach middle age, it is high time to think about retirement.
Many people, especially in developed countries, the people live past 80 easily, you have got to plan for the future, and the only realistic way is through savings and investments.
In a nutshell, it is never too early to plan and make yourself financial responsible.