It's college graduation time, and Girlawhirl's got a few gifts to buy. This year, there's going to be less extravagance and more practicality when it comes to her gifting. For those graduates who have already secured a job that might translate into a collection of fun desktop or cubicle supplies. For those that are still interviewing, maybe it's just the right pen for taking notes at the interview. And for every young woman who's just beginning a career – they'll receive a copy of David Bach's Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams. The chapter – and accompanying chart – on the importance of starting to save for retirement in your 20's is one of the most impactful things that Girlawhirl's ever read. She only wishes she'd read it in her 20's!