The two areas I lack the most in are "Consider opportunity costs and marginal effects
in making personal finance decisions" and "Calculate present value of funds to be
received or paid in the future". I've learned that you have to be prepared for what
life throws your way, rather it's good or bad. The size of your family and whatever
goals you and your significant other are planning for. I'm still learning some of these
concepts myself so hopefully once this class goes on I will be able to put in more
input. I see it's a lot of good information that will come out of this course.
