This week in personal finance i went over four modules on moneyskills.org. I read one over payoff for getting a college degree. It talked about how people with a four year college degree tend to make more than have than half than a highschool drop out student does. The module over How do decisions at one stage in life affect your options at other stages. If you have children and plan on staying home until they are older, you could be loosing money. It is important to have a financial plan, save money before you ave children so your family will be more stable. It is always important to spend wisely, save wisely, and invest wisely.