Many have some forms of investments or realise that they need to create some, but for many it is as a necessity when the the pain of financial unhealthiness hits.
Why not introduce and teach our kids these from childhood ... you wouldn't say "we'll teach you to communicate when you go for your first job" and yet for many handling finances and achieving financial healthiness is left as " you'll stumble through and when you've got a family, responsibilities and Good Luck" ?
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