money management is something i really wished was gone over more thoroughly in high-school / university.
the tax rules change all the time and there is so much style and preference involved that it's nearly impossible to develop a strategy that you could really be confident as being 'the best' for ones application / needs / income. in the end it comes down to guessing and comfort zone.
worst part is people also hate talking about it with other people. and then using good accountants and lawyers is soooooo expensive...