In the US most financial education happens in books, radio, or television. There are several personalities who all say the same basic things: stay out of debt,

In the US most financial education happens in books, radio, or television. There are several personalities who all say the same basic things: stay out of debt, save cash for when shit happens, save for retirement-probably 15% or as much as you can, save for your kids college as early as possible. Pretty much everyone says the same things and it's not bad advice. People typically wait too late to save or pay off debt. It's very easy to hang yourself with debt in this country. It's probably the worst thing about living here. You can make good money and feel broke all the time because you signed up for two car payments, a student loan, and a 30 year mortgage where the payment almost entirely goes to interest for the first decade.