If the goal is financial well-being, teaching people about ETFs isn’t enough. We need systems, policies, and support that actually make financial success possible—and that starts with organizing, not worksheets.

Financial literacy is a good thing. But when it’s used as a substitute for real change—or to shift blame onto people who are struggling—it becomes something more toxic. Here’s why knowing more isn’t always the answer.

April is Financial Literacy Month. Which is cute, considering the banks who broke the system are now offering to teach us how to survive it.

If you’re living paycheck to paycheck, being told to study amortization schedules isn’t helpful—it’s insulting. Let’s talk about why this “just be smarter” advice misses the point entirely.