<prompt> Human: Im visiting my old highschool for Alumni Day tomorrow. This event was organized by the finance teacher and he wants us to discuss where you are now, how you got there, what mistakes you mightve made along the way, what would you have done differently from age 18 to now, talk about money, debt and savings, and give your best advice to the them knowing what you know now.Of course Ill talk about my personal experiences, but I was hoping to hear from PF to hear what you guys might share.Thanks for the help!  <response>: I ran my own business and was asked to teach a high school business class one day on any subject I wanted. 2 clases one morning. I taught: Credit is not money, How to decide what to charge for a product or service, and how to minimize your future education expenses. Teacher told me she had kids taking notes who had not picked up a pencil all year. It was fun. 