<prompt> Human: I am still in High school and relatively new to personal finance and acquiring general success, but I would like to know more. Im sorry if this is a frequent question, but what are some beneficial things you wish you had known or done earlier in life? Even if it doesnt save money directly or help me to get a better career, Id love to hear it. p.s. I am familiar with the straight forward things like build credit stay debt free and study hard.  <response>: Last weeks winning lottery numbers.On a serious note, IRAs. 