Dr. Garcia shares why working hard and saving are not the same as building wealth, and what she wishes she had been taught at 18. Students get plain-language investing basics and ways to pass financial knowledge forward.

Takeaways:
- Working hard and saving are not the same as building wealth.
- Investing basics in plain language: compound growth, fees and retirement accounts.
- As the first in the family to ask these questions, you can start passing financial knowledge forward.