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The fourth agent is media and online sources. This is one of the most powerful agents today. Television and newspapers have always given financial news. But now, YouTube channels, social media, finance blogs, and mobile apps have changed everything. A student can watch a five-minute video and learn how to open a savings account, or what a mutual fund is. But not all online information is correct. We must check financial advice from trusted sources, because there is a lot of wrong information on

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