Image via Wikipedia "A winning effort begins with preparation," Former head coach of the Washington Redskins, Joe Gibbs, said this and I have found this to be the truth. My goal in this article is to give parents and their students information that can be used to prepare to win. Henry Ford said," Before everything else getting ready is the secret of success." Below are several things that parents and their students should do to prepare for life after the tassel has turned and becoming a responsible citizen is the next step. First my story: Parents have to realize that all that our young adults learn about money, saving, spending, and giving, comes from what we teach them. Not so much of what we say, but what we do is what we teach our children. Even if you are not that good with your money there are several books on the subject and the public library is free. I have seen so many irresponsible adults in my careers in mortgage re...