We all go through years of schooling, learning complex subjects— but how many of us were ever taught how to manage money?

我们都经历了多年的学业，学习复杂的学科——但有多少人曾经被教导如何管理金钱？

For most people,financial literacy — one of the most crucial skills for navigating life—is a mystery. The lack of financial education in schools leads to:

对大多数人来说，财务素养——一种在生活中至关重要的技能——仍然是个谜。学校缺乏全面财务教育导致了：

Overwhelming debt:

Without understanding credit, loans, and interest, people find themselves drowning in debt.

沉重的债务：不了解信用、贷款和利息，许多人陷入债务的深渊。

Living paycheck to paycheck:

With no knowledge of saving, investing, or budgeting, financial instability becomes a harsh reality.

月光族生活：缺乏储蓄、投资或预算知识，财务不稳定成为残酷的现实。

Financial stress and anxiety:

Uncertainty about managing money leads to constant stress, affecting mental and physical well-being.

财务压力与焦虑：对金钱管理的迷茫带来了持续的压力，影响身心健康。

Missed opportunities:

Many individuals are unaware of how to grow their wealth, leading to lost investment and career opportunities.

错失的机会：许多人不知道如何增长财富，导致错失投资和职业发展的机会。

Relationship issues:

Money is often at the heart of family and relationship conflicts. Couples fight over spending, saving, and managing their finances.

关系问题：金钱往往是家庭和关系冲突的核心。夫妻之间常常因为支出、储蓄和财务管理而争吵。

In today’s complex world, financial literacy isn’t just about managing money—it’s about

securing your future, achieving your dreams, and maintaining peace of mind.

在当今复杂的世界中，财务素养不仅仅是管理金钱——它关系到保障您的未来，实现您的梦想，并维持内心的平静。