It makes sense to teach California high schoolers how to be savvy about the complex world of money. But lawmakers should be careful about mandating a course.
Adulting is hard, and it’s gotten much harder even for mature adults. That’s especially true when it comes to personal finances. We are subjected to more sophisticated and sometimes downright insidious online marketing that often uses influencers instead of ads. The investing world has grown more complicated, with investment apps, digital brokers and cryptocurrency. Hard-to-spot scams come to us every day via social media, emails and text.
California isn't among the states that require teens to take a designated financial literacy course, at least not yet. A bill before the Legislature this year would mandate a course for public schools. Silicon Valley businessman Tim Ranzetta, co-founder of Next Gen Personal Finance, has gathered signatures for a ballot measure to do the same; he says he would withdraw the measure if the bill becomes law. The concept is great.
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