Okay, Three Questions:

First question: When you were younger, did you really look forward to having more independence and freedom when you got older?

Second question: Now that you're older and on your own a lot more, do you still like the idea of a lot of freedom?

Third question - and this one, is the kicker: Now that you're older, do you think that independence has a lot to do with money, with cold, hard cash?

If you said "yes" to that question, you are wrong.

Even cold, hard cash won't do you much good without the simple tool we're talking about.

You want real independence? Get a checking account...