3. Make sure they get a job. After graduation any students want to have a summer of leisure. They want to have fun before they have to start adult life. All of that’s understandable, but think about the life lessons that they will learn from having a job this summer. They’ll learn that life includes work and must be lived. They’ll learn that if they want something they’ll have to work for it. They’ll learn time management skills and have networking opportunities. They’ll get a jump on the competition and save some money in the process. 4. Make sure they have a checking account at a credit union or bank—and that they know how to avoid fees. If they don’t have a checking account at a credit union or bank this is the perfect time to open one. Help them choose a financial institution that will be easily accessible (credit unions have the most ATMs in the country due to the co-op network and have free ATM access at all 7-Elevens in the country), have low fees (including monthly account fees, overdraft fees, non-sufficient funds fees, etc.) and have great customer service. Guide them through the process of choosing a financial institution, but encourage them to due their homework and make their own decisions.