I grew up around 16ish - when I got a job and my mom stopped buying me things like shampoo etc...I had to get that all for myself- she was also not a cooker - so I cooked meals etc....she was on Weight Watchers - and they had some good and easy to follow recipes...
But then in 1999 I dropped out of college to by my nephew's nanny for a year - my car then started having problems and I got my first credit card
Right now I am trying to get myself out of debt as well. I haven't gotten Suze's latest book - but I did get an audio tape thing of hers (free) from work - we offer then as premiums..you know (when you pledge 938749837 dollars? ) lol....anyway -
Good luck David!