I don't know about that. In my school district, there was a 5th grade field trip where we had "jobs" that paid "money" we could use to buy trinkets at the other

I don't know about that. In my school district, there was a 5th grade field trip where we had "jobs" that paid "money" we could use to buy trinkets at the other shops the other kids worked at. That was the limit of my school teaching financial literacy. We never learned how to file taxes, how to invest or what good investments were. There was a high school elective course about personal finances, but because it was an elective and sounded boring, none of my friends took it. I don't think it is especially hard to learn how to invest, but I suppose getting to the point where you know the right questions to ask might be hard without knowing people who know the basics.