<prompt> Human: Just from reading this sub, churning, and financial discussions with young coworkers, I feel like the financial literacy of youth is incredibly poor. I believe part of this is because even if high schools do teach it, students cant relate at the time because they generally dont have to worry about paying bills, using credit cards, dealing with loans, or making investment decisions. Then the real world can be a rude awakening, and since many go off to college they dont have a parent present to teach them how to effectively manage money, nor do many want their input anyways. Personal financial advisers are fairly inaccessible as well because they primarily make their money off of a percentage of assets in an account, so if you have little to no money to open an account they wont give you the time of day.That being said, Im thinking about starting my own basic financial consulting side business to educate young people on what to do and what not to do to establish good credit and put themselves in a position to succeed financially. I, myself, am 24 and feel since Im close to to my target markets age, they would be more willing to pay me for help and more likely to take my advice. A little background about myself, I have a BS in Finance, have excellent credit, very little debt at a low interest rate, paid my way through college, and make more annually than the median household income of the US.Have any of you had the same idea or run businesses like this?  <response>: The problem is that most people are ignorant about how financially irresponsible they are. Its called unconscious incompetence. When they hit rock bottom in the 30s with crushing debt, they finally start to get to conscious incompetence - ie they realize that they are doing it wrong and need to learn better 