Humans in general are short-term thinkers if you can put it off until tomorrow most will elect to do so. Personal finance classes should be required classes the

Humans in general are short-term thinkers if you can put it off until tomorrow most will elect to do so. Personal finance classes should be required classes the first year of high school and all the way through the senior year. Most want the instant lottery win when you tell them they have to save and live within their means over time, eyes just glaze over and it doesn’t happen. I also have given up trying to advise people to do differently in my life. They won’t learn/listen until they get to 50-55 before they start to realize that time has run out. Unless you were born with a silver spoon, the treadmill starts when you turn 18. when you are young compounding interest/stock splits/dividends/blue chip stocks/401k/unions are your friend. I was never in a Union, but in my profession, the pipe fitters who worked in the field at my company were, and their healthcare and their pensions, and their savings at the end of life were very very good. It’s too bad. A large part of the country are anti-Union in fact, many people in the union were very conservative and didn’t quite realize how lucky they were to be in a Union.