Your 20s aren't exactly simple, especially when it comes to money. After all, odds are you're on your own financially for the first time but you were never taught the fundamentals of personal finance.
The good news is, managing your money doesn't have to be complicated.
Financial planner and New York Times columnist Carl Richards boils down everything you need to know about personal finance into simple graphs and diagrams. Personal finance app Albert, which provides simple money advice and lets you act on it from your phone, does the same with cartoons.
Here are seven hard truths about money that every 20-something should accept, with illustrations courtesy of Albert.