>> that is number one. much stay away from student loans. average college graduate is graduating with $37,000 in debt. in high school, spend 30 minutes, every single day looking up scholarships and grants. if you start early you prevent yourself from making big mistake in the future. ainsley: what if you don't get scholarships, around can't afford it, stay away from loans? >> nothing wrong putting cash away for community college. people ask don't ask where you start, they ask where you finish. if you start slow and small you can pay cash. brian: build a credit rating. get a credit card. build small purchases, pay it back. you think that is fallacy? >> absolutely. that was number one thing happened to me. i was in $25,000 of credit card debt before i turned 18 1/2. ainsley: what did you buy? >> flowers, pizza and some cake. but you know i, stay away from credit cards. use your debit card.