Understanding compound interest thoroughly.
Compound interest is probably the most powerful "force" governing out lives.
It is crucial when borrowing money, especially for longer terms.
It is crucial when saving and investing.
It is crucial in self-development, where a tiny 5% improvement in some area of your life per year can mean that you are twice as good at something in 15 years.
It is important when evaluating any kinds of improvements in personal life or in business.
The trick is that the percentage never sounds like much. The number of years always sounds like a lot. Nonetheless, the years WILL pass whether you want them to or not, and what tiny life choices you make throughout have a huge impact on where you will be in the future.
Being aware of that does not take much. An hour of intense concentration should be enough to get this insight. Of course, this depends on your age and math background. However, I feel confident saying the above as this to the Hacker News audience, as the above requires nothing more than an imagination and the ability to add and multiply by decimals.