Our schools are preparing students for tests — but not for life.
As best-selling author Scott Galloway recently underscored in his No Mercy / No Malice newsletter, and as Pew Research Center data confirms, most young adults are entering the world financially under-prepared not because they’re incapable, but because we’ve failed to teach them the basics in high school.
Budgeting. Debt. Credit. Investing. Cash flow.
These aren’t “nice to have” skills — they’re foundational to adulthood. When schools ignore financial literacy, the cost shows up later as anxiety, dependence, and delayed independence. It also seems to limit financial success over time.
This article explores what’s broken, why this matters, and what must change if we want the next generation to truly thrive.