Research has found that while future generations take on even greater financial responsibility (with the cost of education, housing…and everything…always rising), they also tend to be financially incompetent.

When you think of the financial situation many Americans are in presently, you can see what a big deal it is when even a “small” monetary gift comes along. We spoke to an expert about responsible ways to handle unexpected money.

Here are the 3 ways to tell the difference between a man who's got his financial house in order and one who's just a "no good, bootleg cheapo."