The difference between those who make it financially and those who don’t is their ability to learn and take an interest in financial matters.
If there is no desire and effort then your financial future will more than likely be bleak.
So I recommend that you take an interest in your financial affairs. A minimum requirement should be to establish an annual budget. There are some very good examples that can be found on-line.
My tip is to take an interest in financial matters and the best place to start is with your own.