Organizing your financial affairs and making the most of your money can be a tough challenge-especially when you're a young adult busy building a career and, perhaps, a family. It's particularly tough because, most likely, no one ever taught you much about managing your money. We've learned to talk openly about sex in recent years, but money seems to be the last taboo subject. Chances are your parents were fairly secretive about their own financial affairs. And it's dollars to doughnuts that you went through 12 or 16 or more years of education without a sensible course in money management