Hello, I am going to be doing a workshop for fellow teachers in my district on basic personal finance. I will be teaching on debt habits and reduction/elimination, home purchase guide lines, car purchase guide lines, basic retirement planning, and in general financial peace of mind. I would love for the teachers on this forum to give me feed back on the biggest concerns, best habits, and pitfalls you have faced with your own, or others that you know regarding personal finances. Any help would be greatly appreciated. I want to help my fellow educators make the best financial decisions they can so they can enjoy their profession with a greater peace of mind.