learn the principle of living beneath their means; help them better understand that debt is not an answer and in fact it is absolutely so important to aggresively pay it down as it is designed to defeat you; help them understand that an emergency savings account is so critical - if anything happens, you want to be able to sleep at night and that's why it's there; help them understand that they have to negotiate their salaries along the way that their voice will always be the loudest; and finally that retirement is something you have to think about in your 20's.