Every year, thousands of new high school graduates pack their bags, move to new cities, and sign papers accepting loans they might not be able to pay back. within weeks, many of these same students are writing home to their families, struggling to understand where their money went. without a guide, these young people fail to understand how to properly budget or establish a financial plan. the best way to graduates avoid these risks is to require that every high school student take a personal finance class before graduation.