Something that drives me crazy is that kids come out of high school and college with a diploma, but no idea of what the real world is like in many areas. They have lived at home all their lives and now they are out on their own for the first time. They have no clue how to spend wisely, use credit or even balance their bank account. No wonder a lot of them are constantly borrowing money from their parents and a lot of them end up moving back in. I’ve always felt high school seniors should be required to take a class called “Living in the Real World 101″ and be forced to learn all the necessary things to live on their own. Shop for insurance, look at their 401K statement, check their credit card statement, find the cheapest mortgage when they are ready to buy a home and set up a budget so they can sock money away for 33 years to compound and fund their retirement so they don’t have to eat cat food in their 60s because they live on social security. I don’t know how many people I have talked to wished they knew how much money they had blown when they were younger and had saved even a fraction of it. I think “Living in the Real World 101″ is a better class then “Appreciating Science FIction” (I actually took that in college!)