Teens who completed a personal finance class in high school would rather put $500 in the bank than buy a smartphone. You read that right. With personal finance education under their belts, students are three times as likely to choose saving money over buying a cellphone. In an age of texting, Snapchatting, and Instagramming—that’s kind of a miracle. Our team surveyed more than 76,000 high school students from across the nation last year to learn how teens think and feel about money. Here’s what we discovered about high schoolers who completed a personal finance class before graduation: They’re confident about handling their money: Students report feeling confident when it comes to budgeting (95 percent), saving money (94 percent), and investing (87 percent). They may earn more money than you think: Almost two-thirds said they’re working and earning an average of $3,000 per year. They’re thinking about ways other than student loans to …