Too many financial-literacy efforts focus only on imparting information about money, and not on making the link to human behavior, writes J.D. Roth, founder of Get Rich Slowly. "Instead of teaching Americans about credit cards and rates of return, we need to be teaching them about behavioral finance," Roth writes. "We need to be showing them how to break free from the ubiquitous marketing messages. We need to be showing them how to set (and achieve) personal goals, especially financial goals."
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