Money is not an easy thing to manage. It comes and goes so quickly for a lot of us, and it's very difficult to predict how much cash you will need in the future. Chances are, it's a lot. We always need more money than we've got, and when you're in a situation of financial distress, you don't always know which way to turn. If you're lucky, you can ask your parents or grandparents to help you escape a financial pickle. Unfortunately, a lot of people's parents are in just as sticky a financial sit…