By Mandi Woodruff
At 21 years old, NYU undergrad Scott Gamm is not your typical co-ed. Since the ripe age of 17, Gamm has been an avid student of all things finance.
He launched a blog, HelpSaveMyDollars.com, soon after the recession took hold as a way to help people his age grow into conscious, responsible spenders and savers.
"You know, my parents' finances were one of the main causes of their divorce, and right after that [happened], there was the recession," Gamm told Business Insider. "Those were two reminders within a few years of each other that finance is a serious topic and it's not something I want to leave up to trial and error."
Gamm released his debut personal finance book, "More Money, Please: The Financial Secrets You Never Learned in School," last week. We asked him to share a few tips that every 20-something should learn to master their finances early: