I wonder how much financial illiteracy is really a contributor to people's poor financial situations. I'm much more interested in personal finance than the aver

I wonder how much financial illiteracy is really a contributor to people's poor financial situations. I'm much more interested in personal finance than the average person (I took a class at university, enjoy pf blogs like mr money mustache) but I still struggle with having the self discipline to adhere to correct spending behaviors. As an american, you're constantly being assaulted by marketing to get you to buy stuff, it eventually starts to effect you.