Tiffany Guo ?Handling Your Money? Money is a crucial factor in everybody?s lives. Without it, we will all go hungry and live without a roof over our heads. That is why we pour our sweat and tears to earn in, starting from our youth, when we are educated to get a job. It is also common sense that money isn?t limitless. Imagine all of that hard work wasted, with your money dwindling away and worthless junk coming in. You spent all of your money for no good reason. That is why we need to be so careful in spending it. People can spend their money more wisely by paying off debt, investing, and focusing more on their needs.