You can call me biased, but it's a bias toward trying to do the most good. In terms of personal finance, the most good often comes with time.

If you can get younger workers to save and save seriously about retirement, they have the best chance of achieving their goals, because time can turn small amounts invested into large amounts.

And so, here's a list of smart rules for the 30-ish set, for handling money well, from Kiplinger.com:

http://kiplinger.com/columns/starting/archive/2009/st0121.htm