<prompt> Human: In a couple days I will be heading back to my high school to present students about life after high school, my college experience, give advice... I would really like to give them the must knows about personal finance after high school. For, instance I recently just found out the impact of credit card utilization on my credit score and would have loved to have known that before my first credit card.Please. flood me with what you think is a must have bulletin for my slide on personal finance.  <response>: Dont blindly follow your parents financial habits. They might not have the best. Research if your choice of college degree is worth the tuition. Edit: I would have loved to have had a little presentation when I was in high school. I had no idea how to file taxes my first year working. Its great youre doing this 