<prompt> Human: Ive developed a reputation among my social circle as the guy to talk to when you need money advice. A couple of younger guys approached me to ask if Id be willing to teach a personal finance primer over 5-6 weeks in the summer, to help the younger folks who are just getting started and know nothing about money.Im planning to try and make this relevant and interesting to younger folks by covering topics that people in this age group will definitely come across in the next few years. So far Im planning to cover: General Principles: i.e. Debt bad, Savings good Student loans, how to avoid andor minimize them Credit whenhow to use it, how not to use it, understanding of things like billing cycle, how interest accumulates, not paying interest to build your credit score, etc Auto financing should I just lump this in under credit? Retirement accounts various types Insurance types you need, types you dont needMy personal money philosophy errs on the side of frugality and preparedness for the future, but I want the class to be fun too, not just a salty 30-something telling 20-somethings all the mistakes I made when I was their age. Unlike Dave Ramsey, whose primary goal is to help people fix their money mistakes, I want to help the younger generation avoid these mistakes in the first place.  <response>: Living within their means. I think younger people, like myself, sometimes think now is the time to splurge and buy things they dont need. I know a ton of my friends and coworkers really need help learning to live within their means. I also remind my buds that savings is a huge part of their future i.e. emergency fund. Budgeting for a household moving out was a tough lesson for me to learn, but it was super helpful when my roommates bailed and I was left with a 900 apartment alone. 