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http://www.kiplinger.com/slideshow/investing/T023-S001-financial-decisions-that-will-haunt-you-forever/index.html
http://buckinghamadvisor.com/kevin-grogan-five-decisions-that-will-shape-your-financial-future-090811/
http://www.actuarialfoundation.org/consumer/wiser_life-defining.pdf
https://www.forbes.com/sites/nancyanderson/2013/09/26/7-financial-decisions-made-in-your-30s-that-may-haunt-you-in-your-50s/#52ed4d7a3d42

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Education in many but, not all cases has direct relationship with a person's income. The more educated the more income a person will usually acquire. When looking fir job employers will always look at your education and depending on what they see they might just throw away your application immediately or be impressed. It is imperative to understand that when applying for a job you are competing with many other people so your education can have a big impact on how you compare to someone else. Without a college degree, recently even more so than in the past, it has become more difficult to acquire a decent job.
Education is extremely important in the job market

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Now that you have your own adult job finances are completely on your own. You must pick the right job and the right place to live all within the budget that you can afford. Now is the time to really begin planning for retirement. Saving in this stage is imperative to a happy life. You must also make the decision whether to find a significant other then comes the decision of having kids. One of the biggest expenses that exists. In this stage of life you really have to understand and grab ahold of your financials.

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During college there is a lot more freedom for how you handle your finances and the amount that your parents cover could change a lot in this stage of life. So you must decide whether to continue being a part time student and part time worker as well. You have to decide your meal plan and the expenses that come with going to college. In this there is also the decision to live at home or in a dormitory which you must carefully way the costs and benefits. You can often save a lot of money by living at home.

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During this time of your life you are also often influenced by by parents and previous habits that you have already created. This is also a time when you can decide whether or not to get a job. Then if you choose to get one you have to decide how to deal with your money. This means you can make the decision to save 10%of these paychecks or spend it on other things. Your financial decisions in this stage will often have a lot to do with how much your parents cover financially and how much freedom they give you

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In your early life most of your financial decisions are made for you but you can be given some freedom to do want you want with birthday money or something if the sort. The decision is to save or make a purchase with your parents encouraging you to save. These decisions are unlikely to greatly impact ones financial future but, good habits can be formed.