<prompt> Human: Hey guys, Im interviewing to teach business and finance on a personal level to high school students. Its not my area of expertise, but I really want to wow the administration with a 9th grade personal finance lesson thats fun and relevant. So are there anythings you wish that you knew in high school about finance or you think that todays kids should know?  <response>: In no particular order:1. Save first, invest second, spend third. Anyone who spends their money first will die in the same financial situation as the day before they got their very first paycheck.2. Learn and use personal finance software.3. Beware the consumerist culture and how it drains your financial future.4. Frugality and owning your own businesses are the cornerstones of wealth. Do one without the other and at best you will do just OK.5. Never ask poor people for advice on wealth building.6. LEARN HOW COMPOUND INTEREST WORKS!7. As long as you work for money, you will never be wealthy. The wealthy make their money work for them.8. The wealthy discuss money and building wealth. The poor discuss other things, like what was on TV last night or how cool the latest smartphone is.9. Learn about debt and credit, and the laws pertaining to such.10. The middle class see a house as an asset. The upper-class does not, unless it actually generates income.11. Most people dont actually want to be wealthy, or even well off. 