So you’ve graduated college, you’ve got a shiny new degree in hand and you’re ready to take on the world? You probably feel like the world is your oyster and if you’ve got talent and ambition, it very well may be. But stepping into the real world not only means working a grown-up job, it also means you’re going to have to start paying for a lot of things, whether it’s housing or a car or groceries or renter’s insurance or even a membership to a health club. At the top of your list—perhaps behind housing and a car should …