February 13, 2026

Anna Norris - Fremont High School

     Stepping out into the real world-full of unknowns and new challenges-can be rather frightening. This is especially true as a graduating high school student with little to no financial experience. Schools have done an exceptional job at expanding knowledge, improving problem-solving skills, teaching valuable life lessons, and equipping us with the tools needed for the future, but there is one area of study that schools could improve upon: financial decision making. 

     In a world where inflation is rising, college tuition is becoming less affordable, and money is tight, students need financial insight now more than ever. One of the most important financial lessons schools can teach students is how to recognize needs versus wants.

     Today, it is extremely easy to spend money on nonessential goods, especially since online shoppirig has become second nature. This habit can lead to unnecessary debt, particularly credit card debt. Schools could help prevent debt by educating students on practical ways to avoid it. Understanding how to avoid debt and distinguish wants from needs helps students save money and achieve financial success. 

     Additionally, schools could foster future economic prosperity by teaching the importance of investing early. Many people in my life have encouraged me to invest early, wishing they had done so themselves. Knowing this as a high school student can make a notable difference as even a small amount of money invested now can grow to a significant amount in the future. A practical way that schools could encourage students to invest early is by bringing in a financial advisor to help emphasize the importance and benefits of investing at a young age. 

     Furthermore, schools should instruct students on how to balance a personal budget. As high schoolers, many of the bills, subscriptions, essentials, and other daily living expenses are often paid for by parents or guardians. Consequently, the transition from being a high school student with several expenses paid, to an independent adult having to pay bills on their own, can be overwhelming. Learning to budget can help make this transition less daunting by helping students anticipate and plan for future expenses. 

     It would also be beneficial for students to learn about banking in our digital world. With the rapid advancement of technology, numerous banks have implemented mobile apps and online banking in order to make banking more convenient. Having access to bank accounts anywhere and everywhere is such a valuable tool, but it is important to know the precautions and how to best navigate online banking safely. 

     Schools have the ability to influence students' financial decisions and promote economic prosperity. By teaching valuable financial information and preparing students for future financial responsibilities, schools could help reduce generational poverty while fostering long-term financial success.