Many people lack the skills and information needed to make sound financial decisions. On the surface, the solution would be the development of financial literacy programs aimed at improving people’s understanding of money management.
However, there is a deeper problem that affects people’s ability to correctly apply financial education. The root problem is a lack of understanding of core values and concepts that serve as the foundation for 
sound decision-making.
The need exists for character-driven financial education, in which students first learn about fundamental values like integrity, freedom, and enterprise before moving onto money management lessons.
Destiny is not a matter of chance. It is a matter of choice. It is not something to be waited for. It is something to be achieved – William Jennings Bryant
