When I walked into my first finance class, I thought I had a pretty good idea of what to expect: numbers, spreadsheets, maybe a graph or two. What I did not expect was how different finance feels from any other subject I have taken, and how much it would change the way I think. Finance does not let you slide by with memorization or last minute cramming. It forces you to understand concepts clearly, to problem solve with intention, and to stay calm when a formula looks like it