In the money section of this class I learned that the small spending that I am doing is causing a large loss in the long run. Being so young the money I invest now has a greater chance to make more money in the long run. The first thing I need to do is save money. My parents saved to make sure that I would not have debt out of college, but now I am going to further education and will be in a small amount of debt. Before I start to invest I will need to pay off the debt first. My goal is to have one credit card that I have for the soul purpose of creating good credit. I need to next spend less. In the strawhead test I realized that something that seems so cheap like a bottle of water can add up to a lot more if I had invested that small amount of money into a fund. I need to review my monthly expenses and make sure that I am living below my means. When looking for a car for when I graduate I will think not of what looks nice, but what is functional. I do not need to spend money on a car for the looks. Once I am older and have the money to allow me to spend money on wants and not needs, that is when I can spend that extra money. When learning about the compounding effect it is easy to see that if you can get a high interest rate on money invested, then you should put as much money as you can into that fund. I also want to be able to handle my own money. The 2% I would lose when hiring a financial advisor could end up equaling half the amount I would receive if I handled it on my own. I think it is important for me to educated on saving and investing at a young age, because this is the time that I can make the most