America may be the largest economy in the world, but Americans remain woefully under-educated when it comes to financial literacy, from budgeting to saving to investing. A 2022 Yahoo! Finance report notes that America isn’t even in the top 10 of countries when it comes to its citizens’ financial literacy. And while personal finance is taught in some schools, many states have no such requirement for the subject as opposed to, say, geography.

This is a problem for Gen Z. If you can’t remember the capital of Idaho, the worst that will happen is you’ll have to Google it. But if you remain financially illiterate, you could face a more dire fate like a lifetime of debt, or even homelessness.