One of the most important things you can do when you go to work–age 16 or age 60–is to always save a percentage of your income. Having a savings account, be it in a piggy bank or investments, will give you some security in the future. Many women I know have been totally blind sighted by their lack of financial knowledge of their lives with their partner. No matter what the relationship, you should have your own money and accounts. If you are in a life-long relationship, be sure that you understand where all the money is and your name is on the accounts so you can access it. Never believe that it is impossible for someone to wipe out an account without your knowledge.