It pays to understand finances — in both your business and your personal life

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Financial literacy. I can’t define it exactly but I know it when I don’t see it.

Try this on for size. In 2022, according to the FBI Internet Crime Complaint Center, there were 88,262 complaints of fraud from people age 60+ resulting in $3.1 billion in losses. Now factor in that only one in every 44 cases is reported, and you can see that old people lose a lot of money. My thesis is so do young people. In my humble opinion, it is because like sex and death, it is not a topic much discussed.

Forty percent of Americans are unfamiliar with Roth IRAs, and 70 percent know about 401s and don’t use them. Sell the winners, hold the losers, hoping they will come back? Advice, where art thou? Maybe just turn to AI? Ask ChatGPT or Gemini about stocks and bonds, and you get good solid answers. But go ahead and try to explain to the bot how you “feel” about money and investing.

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