<prompt> Human: What are some of your favorite finance quotes that could be applied to a student in college? Two I have found to be particularly helpful are:Its not your salary that makes you rich, its your spending habits.Those who understand compound interest are destined to collect it. Those who dont are doomed to pay it.  <response>: Really any of theseAs Erik Falkenstein says: In expert tennis, 80 of the points are won, while in amateur tennis, 80 are lost. The same is true for wrestling, chess, and finance: Beginners should focus on avoiding mistakes, experts on making great moves.Most of what is taught about investing in school is theoretical nonsense. There are very few rich professors.The market doesnt care how much you paid for a stock. Or your house. Or what you think is a fair price.The low-cost index fund is one of the most useful financial inventions in history. Boring but beautiful. For most, finding ways to save more money is more important than finding great investments.If you have credit card debt and are thinking about investing in anything, stop. You will never beat 30 annual interest. However much money you think youll need for retirement, double it. Now youre closer to reality. 