I really like Dave Ramsey. I'm not a religious guy, and he can be hokey at times, but he offers a lot of really sensible financial advice for regular people. Something I buy for all high school and college graduates is a copy of The Total Money Makeover.
His advice boils down to a few things that you already heard from your grandmother:
- Don't buy stuff you can't afford.
- No matter how little you make, having a savings buffer is incredibly important for emergencies.
- Live below your means.
- Get rid of your debt by using a plan (his is the "debt snowball").