What's most important is that financial literacy programs are relevant and personalized to an individual's challenges and unique circumstances. Speaking to a teenager about building their retirement assets does not resonate in the same way as talking to them about their cellphone bill. We can meet people one on one and even provide individualized coaching or counselling. It's much more valuable.
So, yes, it should be included in K to 12 education, but even more important, upon graduation when individuals are experiencing life challenges, starting a new job, making a first down payment or paying the first damage deposit for rent, having a child, becoming ill. These are all unique and individual experiences, so we must meet people where they're at through financial counselling and individualized educational programs.