<prompt> Human: Back in 2013, University of Chicago professor Harold Pollack was challenged to fit the best personal finance advice he could onto an index card. Here is the card, transcribed below. - Max your 401k or equivalent employee contribution. - Buy inexpensive, well-diversified mutual funds such as Vanguard Target 20XX funds. - Never buy or sell an individual security. The person on the other side of the table knows more than you do about this stuff. - Save 20 of your money. - Pay your credit card balance in full every month. - Maximize tax-advantaged savings vehicles like Roth, SEP, and 529 accounts. - Pay attention to fees. Avoid actively managed funds. - Make financial advisor commit to a fiduciary standard. - Promote social insurance programs to help people when things go wrong.  <response>: Nowadays, Dont buy more school than you need should be on there. 