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Financial literacy is an essential life skill. Money management is a critical intellectual competency and an essential component of a student’s success in life. If the purpose of education is to prepare a child for the future, knowledge of personal finance cannot be left out of the curriculum. However, our education system is not geared to impart financial literacy. It teaches our kids Science, Economics, Humanities and Mathematics but does not prepare them for the real world. What come out of the assembly line are the professionals who earn well but have low money management skills. Even IIT grads, Software Engineers and those in the financial services sector are all at sea when it comes to investments, tax planning or saving for retirement. They learn their money lessons the hard way by burning their fingers, which can dent their financial future.

An Appraisal of Financial Literacy between Commerce and Non-Commerce Students (A Case Study of Dr. Harisingh Gour University, Sagar)