This week a student-athlete told me how much she loves saving money. This alone puts her financial literacy beyond 90% of her peers.

Then she told me she’s reading a book by Dave Ramsey and going through his baby steps of financial freedom. This puts her financial literacy beyond 95% of her peers. I’m proud of her.

I’m proud of her, and yet the percentiles reveal a profound lack of financial literacy. I can envision a future where the Dave Ramsey canon is common knowledge for 12-year-olds, not 35-year-olds.

We must do better than this. Freedom is at stake.

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