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Financial literacy equips us with the necessary skills and knowledge to manage our money effectively. We spend so many years in education and then getting a job or setting up a business to earn money, but once we earn the money we do not give the needed attention to manage it. We incur lifestyle expenses like getting the latest gadget,  purchasing two-wheeler, or that expensive bigger car, get into societal pressure of buying a home, putting kids to a big school, birthday parties, etc. We get into the FOMO mode (fear of missing out) and sometimes take debt by spending more than we make on credit and get into the debt trap. If we are sensible that that doesn’t happen, still we might listen to advise of our friends, relatives, agents, brokers to invest our hard-earned money on tips, best investments which actually results in losing that money and the so called well wishes secretly made money through commissions, referrals, bonuses, and god knows what.

Financial literacy is important because it equips us with the knowledge and skills we need to manage money effectively. Without it, our financial decisions and the actions we take—or don’t take—lack a solid foundation for success

“If you want to go somewhere, it is best to find someone who has already been there.” – Robert Kiyosaki

Money is just a tool, financial freedom is the goal.