<prompt> Human: Hi rpersonalfinance, long time watcher, first time poster. Im trying to come up with a plan on how I can help redditors tackle their personal finances. I was very touched when I read about how this community helped this post: I think our education system at least in the United States failed most of us to understand interest, debts, credit, student loans, etc - and thats why on average Americans have 15,000 in personal debt. My question to you is if you had a magic wand, what tool would you create to solve everyone problems? How can we educate the public? Based on feedback, Id like to create that tool and invite anyone else thats passionate to help me as well.  <response>: Theres enough information out there for anyone to get educated if they want to. The only tool that doesnt exist is one where you put every little piece of information in and it generates a plan for you. We all know what the generals are: 1k emergency fund, then high interest debt, then 3k emergency fund plus retirement funding, then low interest debt, etc. It would be nice to have a tool that could say Oh I think you should put more into your 90 Term Life, put less into your 403b, your savings rate should go up, your grocery budget should go down. People need an advisor or PF for that. 