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What do I need to be able to run this mod? After downloading the zip file, what do i do? I am completely lost basically.

I am 15 and my parents don't like talking about money so: With a salary of $180,000 per year, is it needed to save up for college? How much of that salary will be left after bills, retirement funds etc. to be able to put in a college fund for 2 children? Because right now, I only have $18,000...