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"Public school seniors reported an average of $40,000 versus $50,000 for private universities and liberal arts colleges." (Amet 7)

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1. Emotions
2. Friends and Peers
3. Customs, Traditions and Habits
4. Family Members
5. Advertising
6. Incentives
7. Your values and confidence

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" Students graduating from well-known, well-regarded private schools took home the largest paychecks: Public school grads earned just 80% of what private school grads earned: Public school seniors reported an average of $40,000 versus $50,000 for private universities and liberal arts colleges." (Amet 7)

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When you have to make major financial decisions " On a sheet of paper, draw a T chart. Think about a decision that you need to make and list the words PROS and CONS at the top. As they list the pros and cons, it becomes clear which decision you should make" (Amet 8)

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As you grow older your priorities change and so does the way you spend your money. You will learn the difference of things that you want and things you need.