7 hard truths about money, in cartoons that will make you smile

Managing your money doesn't have to be complex.

New York Times columnist, author, and financial planner Carl Richards boils down everything you need to know about personal finance into simple, black-and-white "napkin sketches." University of Chicago professor and author Harold Pollack claims that the best money advice fits on a three-by-five inch index card.

To further prove that you don't need to be an expert to understand personal finance, we've rounded up seven hard truths about money in cartoon form, courtesy of Albert, an upcoming app that provides simple financial advice and lets you act on it from your phone.