04/22/2026
The school system had 13 years with your kids.
They taught them to calculate the area of a triangle.
They taught them to analyze 19th century poetry. They taught them the periodic table of elements.
Nobody taught them what happens when you carry a credit card balance for 12 months.
Nobody taught them the difference between a Roth and a traditional IRA.
Nobody walked them through how a mortgage works, what term life insurance is, or why their credit score will follow them into every major financial decision they make for the rest of their lives.
I didn’t learn what compound interest was until college. Didn’t hear the words “Roth IRA” until I was sitting in a finance class wondering why nobody had mentioned this sooner.
I was 20 years old before I understood that money could grow on its own if you just gave it time and left it alone.
This isn’t a knock on teachers. Teachers work incredibly hard with what they’re given.
It’s a knock on a system that decided these subjects weren’t essential enough to make the cut.
I have four kids. They will know how compound interest works before they graduate middle school.
They will understand what a tax bracket actually means.
They will know how to read a pay stub, build an emergency fund, and think about money like an asset instead of something that just disappears every month.
Not because school taught them.
Because I will.
If you’re a parent, that responsibility falls on you too.
The system isn’t going to fix this anytime soon.
