I'm 23, in college, plan to graduate spring of '09 and I'm finding it more and more important to become smart with money before I've graduated. For one, whether I get a job in my field (Biology) or start off with a simple job for money, I want to be able to live on my own. A short time living with my parents afterwards wouldn't kill me but I feel they've done enough for me and I want to be as self reliant as possible. Also, I want to be at least a little savvy with investing. I want to be able to take some of the money I earn and in whatever way, make more with it. I don't expect huge returns but I want to start saving for a home for in the future, as well as other financial hurdles. There's so many books on investing/finance are there any people have used that they found useful/easy to understand for a person in their 20s?