You feel like you're out of your depth with financial matters. Don't worry; you'll be able to fill the gaps of your knowledge. Taking a personal money management course will restore your self-confidence. Instead of second-guessing every purchase, you'll have a much better idea of how to make your income work for you. Soon, you'll be able to pay your bills and start a savings account. Having an economic cushion will allow you to take risks, both personally and professionally.