Do you know how to be smart with your money? In other words, are you financially capable? This InfoBrief is a starting point for learning about and developing your financial capability so that you can make smart decisions about managing your money now and in the future. Financial capability is the ability, based on knowledge, skills, and access, to manage financial resources effectively. Learning to be financially capable is an important part of becoming an adult. This brief will help you learn some of the basics of earning, saving and investing, spending, borrowing, and protecting your money.