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22. I learned that just because you study for a test for 15 hours doesn’t mean you’ll pass it. Perhaps, homework all along would have been better. 23. I learned not to buy a new calculator you have never used just before the exam. 24. I learned that no matter how easy something looks when a teacher does it, it’s much harder on your own. 25. I learned that you shouldn’t get behind because it is almost impossible to catch up. 26. I had a hard time in high school figuring out the difference between simple interest and compound interest. It actually isn’t hard. If you are paying it, you want it to be simple interest, and if someone is paying it to you, you want it to be compound interest. 27. I learned how to make a budget, even if it is impossible to live it. 28. I learned that you do better on tests if you study. 29. I learned that you may never know if you can do a 37