3 ms·More states are forcing students to study personal finance. It’s a waste of time2 points by howard941 8y agoPaulHoule 8y agoIf you want people to save you have to: (1) pay people more, and (2) make sure the extra pay is not eaten up by housing and health care.icedchai 8y agoThat is necessary but not sufficient. The American way is to spend, spend, spend...