Originally Posted by
Aeriel
Monthly bills. Particularly after something that happens (vacation, car problems, emergency, etc) where you need to figure out which need to be paid versus income versus free spending. (Now if you have savings that counters this example, congrats. Fewer and fewer people do currently.)
Similarly: at a new job you have insurance, 401k, stock options, etc that you need to decide how much you're going to allot into each.
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Most of those fall under the heading of "health electives" that, honestly, you should have covered by college. Those are the ones that I always considered "pointless", especially since they do not count towards the 120hrs to graduate!