Fraud, identity theft, bankruptcy, overwhelming debt, huge student loans... With so many things to worry about, which of the following is probably the WORST piece of advice? A. Personal finance is tough -- until you can afford to hire a financial advisor, pay for things in cash and avoid opening bank or credit accounts.

B. Before you make a purchase or take a loan, ask if it's something you can really afford and how long it will take to repay.

C. Set aside time every week to review your accounts and your budget to make sure you're staying on track.

D. If you fall behind on a payment, call the creditor immediately to try to address the situation.