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The biggest financial decisions in your 20s include avoiding credit card debt and starting to save for retirement.

The best of the web on money, markets and all things financial, as chosen daily by Globe and Mail personal finance columnist Rob Carrick.

The biggest financial decisions in your 20s
Avoiding credit card debt, starting to save for retirement and more.

Her mindless spending had to stop
"I was consuming for the sake of consuming," personal finance writer Cait Flanders writes in a blog post looking back at her self-imposed, one-year shopping ban. "It was mindless spending and it had to stop."

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Here's a Q&A with Flanders that appeared on the Forbes website.

23 reasons why being cheap is bad
Counterpoint: The negative side of extreme frugality. The point here is that being cheap can have an impact on your physical and mental well being.

How much is too much to leave your kids?
Some thoughts for wealthy families on how to pass money down to your children without spoiling them.

More money
Join the people who are part of my Facebook personal finance community for talk about investing, retirement, real estate, banking and other financial matters. I'm also on Twitter.

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