In modern times, many students leave school without any knowledge and necessary skills about personal monetary management. In my viewpoint, the reasons lie in the misconception of who is in charge of the teaching role and lack of hands-on experiences of school curriculum.

When it comes to who has the leading role of teaching, many people consider personal monetary management more of family education rather than school job. Therefore, if parents are not aware of the crucial skill of monetary management, they are unlikely to teach their children to master the skill. 

Besides, there is a fact that the current teaching system seems to place more emphasis on theoretical knowledge than hands-on experience. For example, numerous macro issues like economic models or currency wars are common debate subjects at school, but how to manage family income seems to be alien to high school students. Hence, graduate freshers leave schools with insufficient hands-on experience in managing their own pocket.

To alleviate the situation, some approaches should be taken as soon as possible. First, schools should include more related subjects into their curriculum. In fact, several secondary Scandinavian schools have introduced personal financial management to their students. This transition, recently, has proven to be effective since parents’ feedback is optimistic as their children’s spending seems to be more rational. 

Plus, raising awareness among teens and parents about personal monetary management is a feasible approach. For instance, the authorities could run communication campaigns to give them foundation knowledge or provide free tools and courses of personal financial management. 

Overall, monetary management for high school graduates is lacking due to a variety of reasons. However, there are several potential measures that could be done to tackle the issue. 

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