Being responsible when using money is one of the most important skills an adult should have. However, it is also one of the most difficult ones to master. It is advisable for young people to start adopting good habits early on, so that they carry these through their adult years. Some of the characteristics of wise money managers are the fact that they make sure they live within their means, that the save money regularly, and that they know their financial goals.
In paragraph 2, the role of cynicism and idealism in Fulghum’s Credo-writing process is naive, but the whole credo of idealism has sense and over the years has grown into cynicism.
