Agree. I have family living "day-to-day" and the causes are not lack of financial literacy. Rather their poverty flows from a more generalized lack of literac

Agree. I have family living "day-to-day" and the causes are not lack of financial literacy. Rather their poverty flows from a more generalized lack of literacy. They have no marketable skills and no desire to gain them. In both cases college education was paid for. I think there's a dimension of cultural rot, especially for men, in the United States. They smoke pot and play video games and languish. I thought they would age out and get it together, but it hasn't happened by 50 and it isn't going to.