The key take-away here is to know what you're doing. Schools don't teach this stuff. High school doesn't teach personal finance to a necessary degree, nor do th

The key take-away here is to know what you're doing. Schools don't teach this stuff. High school doesn't teach personal finance to a necessary degree, nor do they teach kids the realities of both the job market and the impact & traps of a college education. They've been geared themselves to feed the college industry with fresh victims and leave students with "passion" ...a passion that cannot pay the bills. We need a fundamental shift from college tracks to productivity tracks. Teach kids how to manage money, file taxes, start businesses, tinker, invent, start trade businesses, and bring back shop class. Dump the idea that you need a college degree to be successful, you don't, unless you are committed to entering a profession like medical, law, or applied sciences. The failings of today are the result of the shortcomings and bad ideas of 20 - 40 years ago. The amazing part is that this can be fixed in a single generation with the right leadership, will, and plan; which mind you has already been written and executed successfully but 70 years ago.