I wish this piece would have mentioned school curriculums and programs like we have in Wisconsin (Secure Futures) which gives young people a nice starter dose of Financial Literacy.  They also have personal coaching and a new app to help kids "see the future" with their financial decisions and college choices.  I send them about $100 a month because I believe in their mission:<a href="https://securefutures.org" target="_blank">https://securefutures.org</a>/For the record, I never saved a dime until I was 30 (I'm 64 and retired today with a pension from the world's largest paper company).  Only at 30 did I wake up and start reading books (Your Money or Your Life, etc.) about saving and investing.  Working-class kids like me in the 60s and 70s got close to zero coaching on money.  But we had cheap, subsidized college and (overall) an abundance of jobs with decent pay and benefits. And in my case, an old-school pension that was halted by the time my own daughter joined my company.  And yes, once she started there, I explained all this and more to her and got her to commit 20% of her salary into her 401k which she has never reduced.  Today, she is 33 and her 401k is at $280k.

I wish this piece would have mentioned school curriculums and programs like we have in Wisconsin (Secure Futures) which gives young people a nice starter dose of Financial Literacy.  They also have personal coaching and a new app to help kids "see the future" with their financial decisions and college choices.  I send them about $100 a month because I believe in their mission:<a href="https://securefutures.org" target="_blank">https://securefutures.org</a>/For the record, I never saved a dime until I was 30 (I'm 64 and retired today with a pension from the world's largest paper company).  Only at 30 did I wake up and start reading books (Your Money or Your Life, etc.) about saving and investing.  Working-class kids like me in the 60s and 70s got close to zero coaching on money.  But we had cheap, subsidized college and (overall) an abundance of jobs with decent pay and benefits. And in my case, an old-school pension that was halted by the time my own daughter joined my company.  And yes, once she started there, I explained all this and more to her and got her to commit 20% of her salary into her 401k which she has never reduced.  Today, she is 33 and her 401k is at $280k.

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