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As a frequent high school substitute, I have a somewhat relationship with almost all current students. We sometimes discuss "what are you going to do after high school?". As a retiree from the insurance industry and having raised 5 children, my experience in being a slave to finances is extensive. I preach to these kids that if you are deeply in debt from hasty or poor financial decisions this circumstance will make your future decisions for you. For instance, saving for the 20% required for a home or condo purchase may not be feasible because you have high student loan debt, you are upside down in a car loan (car worth more than you owe), and you have high interest loans from multiple finance companies (credit cards). I encourage them to take consumer finance courses and speak to their parents on how they handle expenses.
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