I agree with you on the lack of proper education but when I received my first paycheck I was incredibly worried about financial planning and spending money. I had more money than I needed at that time and wanted to park it in an investment vehicle with a strong return. So we all need to do our part to learn, instead of expecting others to spoon feed us the information. After all it will benefit the individual’s retirement plans the most, that alone should be the greatest incentive.
I’d like to do a credit rating write-up as time permits. Also with the latest proposed legislation, there might be some significant changes ahead.