A student who starts investing at 16 with $100/month will have over $1,153,000 by retirement. A student who starts at 35 will have $298,000. Same money. Same rate of return. An $855,000 difference — explained entirely by one lesson.This is a complete, fully built Unit 6 for a high school personal finance or financial literacy course — 5 weeks, 10 lessons, and 7 ready-to-use documents covering compound interest, inflation, stocks, bonds, index funds, ETFs, retirement accounts, real estate, and a