The Importance of Financial Education
Money has a good and bad tang to it. The truth is, it’s associated with the actions of people. Money itself is purely neutral. It cannot act independently and needs a driver. In other words, money is just a tool—like a hammer. A hammer can build a home or smash a window; the outcome depends on who swings it. Money is essential for a voice and freedom in a world that revolves around it. With this knowledge, you know that it cannot be a moral crime to get rich; in fact, it’s a moral crime not to. Why? Because wealth gives you the microphone and the runway to broadcast the unique message only you carry. Without financial resources, that message stays locked inside, and the world stays poorer for it. You have a message and a duty to share with the world; you’re the only one who can begin this journey. For those who wait, the world will pass them by, and they’ll spend their time wondering what could have been. For those who act, they’ll bask in failure. While most people may think this comment dreadful, it’s quite the opposite. Failure is what allows one to embrace oneself; without failure, there is no risk-taking. If one doesn’t take risks, then they stand for nothing; they act for nothing. Let’s connect the dots to money: It is easy to feel the immediate pain of failure and be deterred from further action. Yet money flows to innovators—those who leverage systems for greater production. Money comes to those who take risks. If you do not take risks, how could you get ahead of those who do? If you’re not willing to lose what you have to gain what you don’t, then you’ll just keep what you have. It’s not simple, and it’s not binary. Some things are worth taking the risk on, while others may not be. Financial education is the compass that tells you which risks are calculated and which are reckless—turning blind gambles into strategic moves. The most important tool today is someone’s focus. In a world littered with distractions and misdirection, your focus is the only thing that will dictate your reality. Here’s a concrete example: The truth is that something awful happening to someone halfway across the world doesn’t change anything that happens to your day. Something as simple as stubbing your toe in the morning could. Does this mean stubbing your toe was a larger tragedy than that awful event? No, absolutely not. All it means is that the action of stubbing your toe will affect your day more. Now apply the same lens to money: A viral news headline about a market crash halfway across the globe might spook you into selling at the bottom—unless you stay focused on your long-term financial plan. The toe ache is real; the headline is noise. Now, this can be argued against by simply stating that the emotional distress of learning about that event will affect your day more. Well, if this is the case, it would only further prove the point. Focus is the main driver of the reality you perceive. If you don’t want to be sad about the event, then ignore it. Out of sight, out of mind. Your toe, on the other hand, will ache throughout the day, sending a constant reminder or even feeling of pain. So is this mindset “bad”? Are you a "bad" person for thinking this way? Well, that depends: are you going to use the information to reason ill intent on another individual? If so, then some could argue you are a "bad" person. But if you use this laser focus to master financial principles—budgeting, investing, compounding—so you can fund schools, launch businesses, or lift your community, then most people would agree you are a "good" person. The morality isn’t in the focus; it’s in the fruit it produces. Putting it all together: With this knowledge about money (neutral tool + moral duty to multiply it) and about focus (your daily reality-shaper), would it not stand to reason that the best thing you could do for this world is: