From talking to people who, leaving high school, didn't know "obvious" things about finance, had a bad time, and course-corrected as soon as they figured it out

From talking to people who, leaving high school, didn't know "obvious" things about finance, had a bad time, and course-corrected as soon as they figured it out: I'd say it's a lot more about knowledge than you're supposing. You'd be amazed the things people with parents different from yours didn't pick up.