If you’re anything like me, you graduated from college and perhaps even took a finance class or accounting class here or there, but you didn’t learn anything about managing your personal finances. In fact, there probably wasn’t even an opportunity to take any such class in either high school or college. But if college is partly about training us for a job, shouldn’t we learn what to do with the money we earn from a job? Especially in a country where 45% of college students are in credit card debt and 40% of all Americans say they live beyond their means, I think it’s time to wise up to some of the challenges of money management. A few (say, 102) simple rules can help get your financial life (back) on the right track.