There is a good chance that homeless people are wealthier than half of the US population.

Could a homeless person have a higher net worth than you?

If you're late to the personal finance game, I have two suggestions:

1. Sign up with Mint (http://www.mint.com) to track your spending.
2. Read I Will Teach You to Be Rich (http://bit.ly/17Q3vk). You can't find better advice for under $10.