According to a 2018 Forbes article, "two-thirds of American adults cannot pass a basic financial literacy test". The article also provided four (scary) statistics that highlight the need for greater financial literacy in the United States.

44% of Americans don't have enough cash to cover a $400 emergency
43% of student loan borrowers are not making payments
38% of households have credit card debt
33% of Americans have 0% saved for retirement

Financial education does not guarantee you will avoid debt, but it does give you the knowledge and tools needed to manage spending, pay down debt faster, and increase savings and investments. Without this knowledge and the framework to create a financial plan you may never reach your financial goals and will continuously struggle to build wealth.

At the beginning of my teaching career I attended a career and technical education (CTE) conference. The keynote speaker was James Cunningham, "The Funny Money Man". He broke personal finance and wealth building down into three simple steps which I used to structure my course. I added a fourth step "protect what you own" to cover insurance basics. Each step is a unit of learning where I'll go over the foundations you'll need to become financially independent.

Know your cash flow - Budgeting
Control what you owe - Debt
Invest your dough $ - Investing
Protect what you own - Insurance

This course teaches the foundations for building wealth and helps students establish a framework for developing their own financial plan. Students will also develop an ability to make smarter, informed decisions about money and track progress towards reaching financial goals. The private My Wealth Road Course Facebook group offers students continuous support.