Do you have a degree? PhD? PostDoc? How well are you educated about $$$?

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Now adays, many people have a degree at least and the number od people who have PhDs and PostDocs are slowly rising. But it is amazing to see that not many people have been well educated when it comes to managing their finances. Just do a simmple math in your budget this month. What was your salary this month? Minus the necessary expenses like bills, insirance, mortgage. At this point many people would be seeing a negative amount. Say you have a positive amount. Do you save it? do you even TRY to ssave at least 10% of your paycheck? or do you feel compelled to spend it all and keep telling yourself you will start saving next month? Your job is your most important investment. If you wanna squander it all then spend endless hours trying to make money online via PTC and other sites, it just does not make sense to me.... Just a thought. Any backlashes? You may bark. Please dont bite...Im nice...hee :p