Summary: The text discusses the importance of financial literacy and its impact on individuals' financial decision-making. It highlights the lack of financial knowledge among many adults, which can lead to poor decision-making, financial struggles, and vulnerability to scams. The text emphasizes the need for improved financial education in schools and workplaces to equip individuals with the necessary skills to manage their finances effectively. It also emphasizes the importance of seeking professional advice and taking control of one's financial future through proactive learning and planning. Ultimately, the text underscores the significance of financial literacy in promoting financial well-being and security for individuals and society as a whole.