I enjoyed writing this OP ED. One thing I have learned from the class that I truly respect and understand is that when you write about something you care about it does not feel like a chore. When you are told to write about things you may not necessarily care about, the true thoughts rarely get on paper. It is like a robot writing, or someone writing just so they can pass a class. The meaning changes when you write about something you care about and want to get other opinions on. I relate it back to overhearing a discussion we have all had that moment when we are around strangers and they are talking about something you care about. You have to fight within not to buy in and put in your two cents. I thoroughly enjoyed the process of writing this. I wrote this essay just from my thoughts. I just wrote what came to mind. I believe doing this allows one to understand a lot about what is going on in one’s mind  and how they feel about different topics. No matter who educates you, no matter who tells you and assists you to get on track, the chances of you reeversing your habits built up over years is slim to know. That is why we are not taught because the system leaves it to you to get education on these things but by the time you get the info and start to learn a lot of times it’s already over. Because the habits you have created will take years to break most of the time.Lack of financial literacy keeps this country rich. Imagine if when we were kids we were  taught to spend frivolously and  to only get things you need. And that when you get a credit card, pay it off immediately because you end up getting points which are free money and you can stack these points up and go on a free trip. If we were taught this the economy would not flourish as it does now. The economy benefits from reckless spending and lack of financial literacy. America is a business first. I also wrote Growing up getting your first credit card after just using a debit card your whole life. You are given this tool that will make or break your financial life and you are given this “toy” with no manual. The credit card has minimum payments that will keep you in debt for years, some individuals believe that the minimum payment is what needs to be paid and that only. Osme believe that you can pay a credit card back whenever you have the money. A credit card was put in place so that you can continue to owe money. Credit Card companies especially ones that do not charge an Annual Fee do not make money off of individuals paying off their statements every month. They make money off of individuals missing payments and owing money. This was all very important to me.

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