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College athletes are finally getting paid. That’s a good thing. What’s not good: most of them have no idea what to do with the money when it arrives — and the financial system is not exactly rushing to explain it to them. NIL income (Name, Image, and Likeness) is treated as self-employment income by the…

Most people in their 20s think investing is something you do once you have real money. $10,000. $50,000. Some number that feels far away. Here’s the thing: that’s exactly backward. The best time to start investing is when you have less money — because time is doing more work than the dollars are. $500 invested…