Im 20 years old and I am lightyears ahead of many people I have met in terms of financial knowledge. Granted I have 5 classes under my belt but I still don't know that much. People have no clue how the banking system works. They have no clue how credit works. They have no clue how to make and keep money. I would love to see the US institute some program to educate our people. If people knew what they were doing and they knew benefits and consequences of their financial decisions we would have a much more economically stable country instead of this volatile mess we are in because everyone bought way more than they could afford because they had no clue what they were doing. So many people carry thousands in credit card debt every month but turn around and buy a new car, or buy a house. WTF?? This needs to change.