As an advanced accounting student here at Navajo Technical University in Crownpoint, New Mexico, accounting is an important part of our daily lives, as is being in debt. On the Navajo reservation the majority of the population is in debt and this is due to the lack of financial education provided. As a parent, I wonder what the future of my children will be and I would like them to be debt-free in the future. Developing a foundation of personal finance in high school would be very helpful. Secondly, exposing teenagers to strategies to better themselves financially is a 21st century survival skill and finally, opening students' minds and making them make informed decisions about finances at an early age would help them in their future. According to a new study from ING Direct, the vast majority of teenagers (87%) admit they don't know much about personal finance. All high school students should take a personal finance course. The first reason why high school students should have developed a foundation in personal finance in high school. Teens deserve to be introduced to complicated financial concepts by caring teachers charged with preparing them to make wise and informed financial decisions. If we teach teens the skills they need today to manage their money tomorrow, we will endure. Some high school students may not see the value in financial literacy education and think it is a waste of time. Many may think they learn about finance by watching their parents pay bills and managing a checking and savings account. But what they don't know is that there is much more to finance and many high school students have already been embedded in good or bad spending habits. Get students to take courses at a young age and start training their minds on aspects of finance. It would be of great help in their life and could break bad spending habits or improve good spending