Given the nationwide negative (!) personal savings rate, massive credit card debt, zero retirement savings society we find ourselves in, make darn sure every young person receives some basic financial survival training.

Spend less than you make. Save the difference. Pay cash. Never carry a balance on a credit card. Balance your check book. Check your statements. Plan for your retirement and start early saving for it. Etc. Forget getting lost in the woods, buried in a snow drift, trapped in earhquake rubble, infected with the plague... the biggest threat to everyone is everyday life. <img src="/images/graemlins/frown.gif" alt="" />