If you want to help tomorrow be better than today, put financial literacy into your school's program. In fact, I would venture to say that your community will reap the benefits in the years to come as students learn how to manage their money and balance their checkbook. I teach accounting and wish that every student knew how to balance a checkbook. They also need to know the difference between secured and unsecured debt. Spend less than you make, period. "You may not realize it, but these three events are part—and an excellent illustration—of the global financial literacy crisis, one of the overriding problems of the modern financial world."