Financial literacy is everywhere—taught in schools, promoted by institutions, even given its own month. Yet since 2020, it’s been declining.
That matters, because knowledge alone isn’t enough.
Understanding money is one thing. Using that knowledge to consistently make better financial decisions—and actually achieve your goals—is something else entirely. That’s the difference between financial literacy and financial proficiency.
And right now, too many people lack both.
If you want to move beyond knowing to doing, read on to learn about three practical steps to build real financial proficiency.
Continue reading “Why being financially literate may only take you so far”