Financial Literacy: Financial Firsts Can Be Financial Pitfalls Financial firsts in the lives of young people can become financial pitfalls. Four, realistic scenarios set the stage for discussions of the life skills needed to navigate personal finances successfully. Activity Resources Financial Literacy: Financial Firsts Can Be Financial Pitfalls First Job Euphoria: Needs v. Wants - Financial Literacy First Credit Card Confusion: Read the Fine Print - Financial Literacy First Vehicle Miscalculati