I am making up for lost time. I so wish I understood basic financial principles when I was in my teens or early 20's. Instead, I screwed up everything I touched and dug a nice, but recoverable hole. Started value investing in the late 90's on a small scale and have gradually picked up speed ever since while expanding my areas of interest and the methods I use. I've shifted away from only mutual funds and into an aggressive self-managed combination of individual stocks and options, mutual funds, and real estate. I want the world to know that it is never too late to become financially responsible and the payoff is great. You should never stop learning. However, we are FAILING our own children by not teaching them financial principles as part of a "standard education."