My parents hung up when I asked for money. It was the best financial advice they ever gave me.

The author said her parents' firm stance taught her an important lesson about money that still sticks with her years later. Courtesy of Andrea Javor. Three months out of college, I spent excessively, racking up a bit of debt. My parents, who have always been generous, refused to give me a dime to pay off my credit card. Their hard stance taught me an important lesson on how to live within my means. "Congratulations on graduating, Andrea, now you're off the payroll," my dad not-so-jokingly…