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robot1

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This rings true for myself and a couple of my friends who grew up relatively poor in a wealthy area - our test scores on the SAT and relevant subject tests boosted us into private schools that we would not have gone to otherwise, which then led us to well-paying jobs right out of college. Last I checked, my high school implemented affordable/free SAT tutoring for all students and I hope to see more of it nationwide as I believe it helps immensely in socioeconomic mobility.

Beeminder comes to mind when thinking about losing money when you don't hit your goals (goes to the company). I've been too afraid to try since I'm a student with loans, but maybe it's time.