<prompt> Human: Since Im 15 and I have 3 or so years until I need to worry about bills, retirement, food, etc. So I think now is a good time to start a plan. I dont know much about finance so any help or tips are welcome. Assistant: Stay out of debt without a good reason, save 15 for retirement. Read and learn a bit.What are your plans for after high-school?Human: I dont really have one yet. I dont know what I want to study in college, or if I even want to go to college. Im gonna see how my freshman year goes and hopefully have some clue after that.  <response>: If you do choose college, pick a major that is marketable and versatile. A business school if numbers or people are your thing. An engineering school if numbers are more your thing than people. For the love of all that is holy, dont get a degree is music, voice, leisure studies, english, or any of the plethora of majors with virtually zero demand in the marketplace. Dont pick a major that sounds fun just because it sounds fun. Without a specific plan to build a career out of a major, its merely a reason to go to a university and accrue debts. Dont be afraid to change majors if you find a passion that fits you best while youre there. 