Ross shares the results of his research on financial education and offers his opinion on the matter in a short monologue. Sources are listed below. Danes, S. M., Rodriguez, M. C., & Brewton, K. E. (2013). Learning context when studying financial planning in high schools: Nesting of student, teacher, and classroom characteristics. Journal of Financial Counseling and Planning, 24(2), 20–36. https://files.eric.ed.gov/fulltext/EJ1043229.pdf Logica Research. (2019). Modern wealth survey, May 2019 [Data set]. Charles Schwab & Co, Inc. https://content.schwab.com/web/retail/public/about-schwab/Charles-Schwab-2019-Modern-Wealth-Survey-findings-0519-9JBP.pdf Pelletier, J. (2017). Is your state making the grade? 2017 national report card on state efforts to improve financial literacy in high schools. Champlain College Center for Financial Literacy. https://www.champlain.edu/Documents/Centers-of-Excellence/Center-for-Financial-Literacy/2017-Making-The-Grade/Making-the-Grade-2017.pdf U.S. Bureau of Labor Statistics. (2020). Consumer expenditures in 2018 [Data set]. U.S. Bureau of Labor Statistics. https://www.bls.gov/opub/reports/consumer-expenditures/2018/home.htm Wagner, J. (2019). Financial education and financial literacy by income and education groups. Journal of Financial Counseling and Planning, 30(1), 132–141. https://doi.org/10.1891/1052-3073.30.1.132 Walstad, W. B., Rebeck, K., & MacDonald, R. A. (2010). The effects of financial education on the financial knowledge of high school students. Journal of Consumer Affairs, 44(2), 336–357. https://doi.org/10.1111/j.1745-6606.2010.01172.x