<prompt> Human: Im looking to revamp my personal finance curriculum. I have switched positions from a state-mandated curriculum to a private schoolflexible curriculum and so can make adjustments as needed... and would LOVE additional input.What do you think is the most valuable piece of personal finance information for 16-18 year old students to know? Side note: The majority of my students are not planning on requiring student loans...lucky them..edit: WOW. I love hearing these responses and am thrilled to find validation in some of the lessons I already teach and great ideas on how to make them better. For those who were wondering - I found that only four states in the US are required to teach personal finance and mine just happens to be one of them; I had no idea. It should be everywhere, so many of my students say this is the most useful class they take in HS. Again, thank you so much. Ill be spending many plan periods sifting through this data! :  <response>: I wish I had paid more attention to my student loans instead of just letting my dad take care of them. I wish I had started budgeting and tracking my spending earlier.I wish I hadnt used my credit card for stuff I didnt need and had saved up instead. 