Combine the simple advice of "Life's Instruction Book with the witty practically of "The Motley Fool. Toss in a little Onion.com attitude for fun, and tailor it for the untethered millennial generation--young adults in their 20s--for whom college has ended and real life has begun (and for whom adulthood still seems a year or two away). Advise them on how to make the most of this period of life, how to get started on the right foot financially. Gaze head-on at the social issues and decisions that are sure to crop up. Make pragmatic "improve-your-life" suggestions, and recommend ways to simply be cool. Identify the important things, and put the insignificant where it belongs. And entertain. The result? A book titled. "Things You Should Know by Now: A Mini-Life Manual for the Quarterly-Aged.