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Youth today have a misconception that money will always be there. Many have never had jobs or had to earn money for their needs or wants. The idea that they will someday have to manage their time and money that they make is beyond their comprehension. Implanting ideas early in life of how to earn money and the necessity of budgeting money after it is earned is crucial. Budgeting should include thoughts of how to make money, how to pay bills, how to save, and risk management to include life and health insurance. Practical group discussions on these subjects could be and should be brought up in any classroom from Chemistry to P.E. classes.
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