There are a lot of numbers floating around that people tell you you have to worry about. But the truth is, if you can stay our of debt and have an emergency fund, then you'll be better off than nearly everyone. Are you a victim of unexpected expenses? Everyone is. It never fails, as soon as you think you're getting ahead with money, something comes up. Life gets in the way. It happens to all of us.
Think of it as a blank palette and you get to design a masterpiece; this masterpiece will be your financial picture.
Most people think they're properly managing their personal finances by simply logging in and getting their bank balance or checking to see how their spending compared to their budget.