Students leave high school without learning about how to manage their money. What are the reasons for this? What can be improved in students’ understanding of how to manage their finances?

Many
students
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leave high school without learning how to manage their money effectively, which can lead to significant difficulties later in life.
This
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issue arises mainly from an overcrowded curriculum, a lack of qualified teachers, and the absence of mandatory financial
education
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in
schools
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. To improve
students
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’ understanding of personal finance, practical steps
such
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as integrating financial
literacy
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across
subjects
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, providing
teacher
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training, and linking financial knowledge to real-life situations are essential. One primary reason financial
education
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is neglected in high
schools
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is the overcrowded curriculum.
Schools
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face increasing pressure to focus on core academic
subjects
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like math, science, and language to prepare
students
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for college and
standardized
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standardised
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tests.
Consequently
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, there is limited time to include additional courses
such
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as personal finance.
Furthermore
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, many educators lack sufficient training or confidence to teach financial topics, which limits the quality and availability of
such
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education
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. Without a national mandate or
standardized
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standardised
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testing in financial
literacy
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,
schools
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often
prioritize
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prioritise
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subjects
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that influence rankings and funding, leaving financial
education
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as an optional and inconsistent offering. To address
this
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gap,
schools
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should integrate financial
literacy
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into existing
subjects
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rather than treating it as a standalone course.
For example
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, math classes can include lessons on budgeting, interest rates, and loans,
while
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social studies can cover economic principles and consumer awareness.
Additionally
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, investing in
teacher
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training programs will equip educators with the necessary skills and confidence to deliver engaging and practical financial lessons. Incorporating real-life projects,
such
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as creating monthly budgets or managing simulated investments, can make the subject more relevant and motivating for
students
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, ensuring they retain and apply these crucial skills beyond graduation. In conclusion, the lack of financial
education
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in high
schools
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is largely
due to
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curriculum constraints,
teacher
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preparedness, and the absence of mandated requirements.
However
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, by embedding financial
literacy
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across various
subjects
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, enhancing
teacher
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training, and
emphasizing
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emphasising
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practical application,
schools
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can better prepare
students
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to manage their finances effectively in adulthood.

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improvement
Add more deep ideas and more facts or figures to make points stronger.
improvement
Give more real life steps schools can take with clear actions.
improvement
Make the intro and the end very clear so the main view is easy to see.
improvement
Use simpler sentences so any reader can get the idea fast.
strength
Clear plan in each paragraph
strength
Good use of examples to show ideas
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Ideas link well from one part to next
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Conclusion sums up the main idea
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