💼 Why Schools Don’t Teach You About Money (And What You Can Do About It)

June 13, 2025

 



🧠 Introduction: The Harsh Truth No One Tells You

You sit in school for 12–16 years.
You’re taught how to calculate the area of a circle, memorize the capital of Iceland, and write essays about Shakespeare.

But nobody teaches you how to:

  • Open a bank account

  • Avoid debt traps

  • Invest your first $10

  • Build wealth

And when you ask “Why don’t we learn about money in school?”
You’re told: “It’s not in the syllabus.”

Here’s the truth:
Most schools aren’t designed to make you rich.
They’re built to make you obedient, disciplined, and ready for a job — not ready for freedom.

If you’re a teen who wants more from life than just a 9–5, this blog is for you.

📚 Why Schools Don’t Teach Financial Education

1️⃣ Schools Were Built for the Industrial Age

Back in the 1800s and 1900s, schools were created to train people to work in factories.
Obedience, punctuality, and following instructions were more important than creativity or money skills.

That’s why:

  • You’re graded for remembering facts, not solving real problems

  • You’re rewarded for showing up, not thinking differently

  • You learn about algebra before taxes

2️⃣ Financial Knowledge = Power

The system isn’t broken — it was designed this way.
If every teen knew how money worked, they’d:

  • Question bad jobs

  • Build businesses

  • Invest young
    And that would shake the system.

When fewer people understand money, fewer people become financially free.

3️⃣ Teachers Often Don’t Know Either

Let’s be honest — most teachers weren’t taught personal finance themselves.
They’re amazing at what they do, but they can’t teach what they were never taught.

Would you take swimming lessons from someone who’s never been in the pool?

💸 The Real Consequences

Because of this missing knowledge:

  • Teens get into credit card debt

  • Young adults live paycheck to paycheck

  • People make emotional money decisions instead of logical ones

And it’s not your fault — no one ever gave you the blueprint.

But now you have a choice: stay stuck… or level up.

🔓 What Teens Are Never Taught (But Should Be)

Here are 7 things every teen should learn that most schools ignore:

  1. The Difference Between Assets and Liabilities
    Assets = Make you money
    Liabilities = Cost you money
    (Spoiler: Your phone isn’t an asset.)

  2. Compound Interest
    Saving $10/month at age 15 > Saving $100/month at 25
    Time > Amount

  3. Budgeting
    If you don’t track your money, your money controls you.

  4. Credit and Debt
    Not all debt is bad — but using credit carelessly is.

  5. Investing Basics
    You don’t need $1000 to start — you need $10 and the right mindset.

  6. Online Income Skills
    From freelancing to selling digital products — the internet is your tool.

  7. Emotional Intelligence with Money
    Don’t spend to impress. Spend to progress.

💪 What You Can Do About It

You can cry about the system, or you can break the cycle. Here's how:

✅ 1. Become Your Own Financial Teacher

Read finance blogs (like this one), books, YouTube channels, and podcasts.
Start with:

  • “Rich Dad Poor Dad” by Robert Kiyosaki

  • “The Psychology of Money” by Morgan Housel

✅ 2. Use Free Tools & Apps

Start budgeting with:

  • Google Sheets

  • Money Manager

  • Mint or Notion templates

Even if you earn little — manage it like it’s a million.

✅ 3. Track Your Spending for 30 Days

This will blow your mind. You’ll see:

  • Where your money leaks

  • Emotional purchases

  • Random subscriptions

Awareness = control.

✅ 4. Surround Yourself with Growth

Your friends’ mindset matters.
Hang out with builders, dreamers, savers — not flexers, wasters, and complainers.

Follow pages/accounts that educate, not just entertain.

💬 Real Talk: What If You Started Now?

Most people wait until they're 30+ to care about money.
You’re starting at 15, 16, or 17.

That gives you a 10–15 year head-start.

Imagine:

  • Your savings growing every month

  • Investing early and watching it multiply

  • Understanding what most adults never will

And all that starts because you decided to learn what schools don’t teach.

🔥 CTA: What’s Coming Tomorrow?

This post exposed the truth about the system.

👉 In tomorrow’s post, I’ll teach you “The Money Lessons I Wish I Knew at 15” — lessons that made the biggest difference in my journey toward financial freedom.
Don't miss it, bro. It might just be your turning point. 🚀

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