Craigslist in particular has earned a reputation as a place for scams, and for good reason: countless fraudsters are trying to trick users out of their money. Here are some common Craigslist scams and how to spot them, so you can reduce your chances of becoming a victim.

You could start with this list of U.S. counties with the most millionaires from CNN Money — and as the data shows, California and the southern part of the country are the places to be if you want to live close to America’s wealthy elite.

One of the top skills people wish they’d learned in school is basic money management, but personal finance lessons are usually left up to parents. You can give your kid a head-start in life if you teach them the importance of earning and saving, the rules of credit and interest, and how to manage it all when they’re living on their own.

Big Life Lessons For Little Ones

Your tiny tot is learning how to count, so you can start incorporating lessons about how to earn, save, and spend money. Reward your child for completing chores with cash, and let them store their money in a piggy bank.

When people plan for retirement, they’re often thinking about all the places they’ll travel to or the passion projects they can pursue in their newfound free time. In addition to the “fun stuff,” you may want to seriously consider the money you’ll need to maintain your day-to-day lifestyle without a steady paycheck. All that starts with smartly managing your finances now, so that you do not encounter any unpleasant surprises later.

Carrying debt such as loans, medical bills, and credit card balances can have lasting negative effects on your financial health, especially when your inability to pay it off leads you to bankruptcy.

It’s best to practice smart money management so you don’t land yourself in financial trouble. Here are a few common financial habits that increase long-term debt, and should be avoided whenever possible:

1. Paying Only The Minimum On Credit Cards

You’ve probably noticed that the minimum payment on your credit card is significantly lower than your total balance. If you only pay that minimum, the interest you accrue on the remaining balance will only set you further back on your debt. To avoid interest accrual once your card is paid off, only charge what you know you can fully pay off in one or two statement cycles. Until then, pay as much as you can comfortably afford.

Even more impressive, however, is the astronomical net worth of some of these competitors. While gold medalists were each awarded $37,500 for their wins in Pyeongchang, endorsement deals from big names like Kraft, Red Bull, GoPro, and Under Armour have sent some of this year’s American Olympians into multi-millionaire territory.

Tom Corley, author of the award-winning book Rich Habits: The Daily Success Habits of Wealthy People, spent five-years studying 233 millionaires and 128 poor people and surmised that often one’s wealth has more to do with habits. For example, Corley notes that emotional purchases are something that rich people avoid. A wealthy person will think twice before purchasing that sports car or designer dress. Those items at the checkout counter meant to result in unnecessary spontaneous buys? A wealthy person will more likely take a pass.