The Lesson School Never Teach

If there’s one thing I wish every young person understood before they even get their first paycheck, it’s this:

Learn about the importance of credit early.

I can’t stress this enough. I work with adults who are nearing retirement age, people who have spent decades working, saving, and “doing everything right”… only to look at me and say:

“Will, everything we were taught was a lie.”

And they mean it.
Because they were taught the basics save money, avoid debt, pay your bills but nobody ever taught them the economics of money. Nobody taught them how the system works, how credit works, how leverage works, or even how to measure the cost of money.

So when I talk to young people, this is the message I drill home every single time just like I do with my own son.

Because the earlier you understand this, the easier your life will be.

Understand the Economics of Money, Not Just What Money Is

Let’s get this straight:

It’s not enough to know how to make money.
It’s not enough to know how to borrow money.
It’s not even enough to know how to save money.

You have to understand the economics of money.

You have to understand how money moves.
Why it costs what it costs.
Why interest exists.
Why credit matters.
Why leverage matters.
And how people who know the game use this knowledge to get ahead while everyone else falls behind.

Most people are operating on outdated financial advice passed down from parents and grandparents who did the best they could with what they knew… but unfortunately, what they knew wasn’t enough.

Understand the Cost of Money

When I talk about learning early, I’m talking about understanding something most people don’t figure out until it’s too late:

Every dollar has a cost.

Borrowing has a cost.
Waiting has a cost.
Using your own money vs. using the bank’s money has a cost.

People don’t realize that the person who understands the cost of money almost always ends up wealthier than the person who only understands how to earn it.

And if you can learn this early before you’re 30, before you’re 25, even before you’re out of high school you’re already ahead of 90% of the population.

We Weren’t Privileged to Learn This… But You Can Be

The reality is, most of us didn’t grow up with this knowledge.
Nobody taught us about credit scores.
Nobody taught us about leverage.
Nobody taught us about how the financial system actually works.

We had to learn it the hard way.
That’s why I’m so passionate about sharing it with the next generation.

Because when you learn this early, I’m telling you, your life becomes so much easier.

You make smarter decisions.
You avoid traps.
You build faster.
You grow faster.
And you don’t spend your adult life trying to fix mistakes that could’ve been prevented with just a little education.