Interesting list but I thought of a few more. There should have been a section about finances and social lives. For young people (especially singles) a social life is a high priority and keeping up with that costs money. Its also about choosing friends who will share the same financial goals. Both my sons have horror stories about having one at least one friend who is either financially irresponsible or a mooch. Those kind of friends are high maintenance and drag everyone else down. People forget there are emotional ties and triggers when it comes to spending money and managing finances.
Officially Recognized Stretchpert in Stages of Life