<prompt> Human: Hey everyone! Tomorrow I am giving a talk to a large group of graduating college students most with very good jobs, so theyll need to figure out what to do with their money quickly and wanted to see if I am missing any important topics. Please comment if you think there is anything I missedDiscussing a few major topics:1. Importance of personal finance starting early2. Types of accounts checking, savings, Roth IRA, IRA, etc This will also include 401k stuff3. Creating a budget spending plan4. Automation of finances payments of things through credit card5. Misc topics such as a. investing in passive index funds b. the summarized flowchart from the sticky i.e. emergency fund, etc c. avalanche vs snowball method of debt d. thinking about what is truly important to them to get the most of their money  <response>: Lifestyle creep.Also, a very important one. A budget is telling your money where to go, not looking at where it went. This is an important distinction. I have heard a lot of people say they follow their finances because they get a statement from their credit card company or mint, etc that categorizes their spending. But that is all after the fact. A budget is declaring prior to spending where the money will go. 