Can a 5 year-old be $30k into debt? Have a mortgage, a car payment, and 4 credit cards? Unfortunately, yes. Starting at birth, tens of thousands of children fall victim to ID theft. And at times it's not strangers stealing their identity--it's someone in their own family!

FoolProof is supported by credit unions, so you should hold what I'm about to say at the highest critical level your brain can deliver today. Do that, and I think you'll agree what I say here is the truth.

Life is full of risk. We take chances all the time. It's a part of life! We gamble when we start our own business, or when we decide to walk to school or drive a car.

But get this: A lot of high school and college-age kids really gamble; online poker, 1-900 betting numbers and lotteries—you name it.

Whether you've already moved out or are planning your first move away from home, picking the right roommate is a big deal. That person will have an impact on both your pocketbook and your mental health.These tips can help make the experience a solid one!

Ever download an app? If you get a text message the next day saying, "There's a security problem with the app you downloaded," would you read it? Would you click the link in the text?