For high school and college, consider following the Study Hacks blog and his two books (high school, college). I really, really wish I had known and followed these ideas. For one, do all your community service in one place, and gain some standing there. Depth is more rewarding than breadth. Get deeply involved. Imagine volunteering for an organization, getting to know everyone, starting and running your own program in that organization, and getting on the board as a community member. Something like that.
I have mixed feelings about earning money during high school and college. I'd say learn about money, business, and entrepreneurship, but don't necessarily earn a lot. There are lots of opportunities that are easy to come by in that stage that are harder to come by later, and spending time working means not spending time with those opportunities. College summer jobs can be great because you can learn while you earn and they can get you opportunities. You will probably earn at a much higher rate when you get out of college.
Many culturally diverse places have higher expenses, especially the ones with higher pay, so be careful which one you choose. I think all communities have some diversity, especially urban ones. You just have to go find it. You can find it in any university town.
This is a good basic plan. Expect to deviate from it based on future opportunities. Freelance accounting could continue forever in diminishing amounts, just like Jacob still does some work for pay. Owning and renting out to roommates could be cheaper than just renting. When you move, you could decide between selling and playing landlord.
Algebra 3 syllabi vary greatly. When I took it, there was trig, discrete math, and basic linear algebra (but they didn't give it that name). Find out what's on the syllabus and choose the one that looks more interesting. Discrete math is usually fun. Both courses will help build your math base for accounting. I consider pre-cal to be on the main high-school and college math progression and algebra 3 to be more of a side course.