Sorina Codrea, 29, is originally from Eastern Europe, so as an international student "I had to learn quickly about credit cards, 401(k)s, to the point that it's a habit. What I'm learning is there are agents out there — accountants, lawyers, professionals — acting in their best interest. But no one will act in my best interest like myself. So, for me, this club is very important," she said. Codrea is now the Wharton Common Cents club vice president.