Pāhonoa te oro

The third agent is the school. Schools, colleges, and teachers give us proper financial knowledge. Subjects like commerce, economics, and mathematics teach us about budgeting, interest rates, taxes, and investments. Teachers explain these topics in a safe learning environment. But not all schools focus on financial education. In many places, financial literacy is still not part of the main syllabus. This leaves many students unprepared for real-life money decisions.