<prompt> Human: I teach high school English on the west side of Chicago. I want to dedicate the last week of the fall semester this isnt until January, but I am planning ahead to real world lessons. I am thinking about lessons like how to file a simple tax return, how to balance your check book, how to check your credit score, etc.I am looking for input on financial lessons, topics, concepts, etc that you guys think a high school senior should know about before entering the real world. One of the big things I want to focus on with these guys is talking about less finite skills such as the more nebulous topic of how to responsibly use a credit cardSo reddit, what things did you wish you had learned in high school? Bonus points if you can link to resources that I can direct my kids towards. Thanks :  <response>: Explain how payday lending works, what co-signing a loan means and how it can impact your credit if the other person doesnt make payments, what options exist for banking and types of accounts, why pre-paid debt cards can be a scam by charging fees to access your money, how to read terms and conditions - like 0 promo periods where if you dont pay the card off youll not only owe 25 interest, but youll owe it for the entire promo period, learn how to use interest to their advantage, basics of what is in a budget and why its important, setting short mid and long term financial goals and how to set and achieve them go all tony Robbins on them. 