It doesn’t help that financial education is nonexistent in this country, and the laws around investment advice make it so schools can’t really teach it. I took

It doesn’t help that financial education is nonexistent in this country, and the laws around investment advice make it so schools can’t really teach it. I took a budget class in college in effort to get more financially savvy, but they basically said they can’t really legally give advice for things like tax or investment or retirement planning, only really gave basic budget rules of thumbs that full time college students can’t really follow anyhow for lack of income. The rich kids on the other hand, just ask mom or dad what to do and they are well informed by their own family financial planner.