Even if you have a master's degree in finance, if you have a hedonistic lifestyle, your finances will be unhealthy, so the most important thing in managing finances is to live frugally, spend less than your income, be disciplined and diligently read about finance.
It depends on the kind of life you have led. I have noticed that people who have led a good life are more careless about their money while those who have led a difficult life, have been falsely accused are more careful.
They don't teach you personal finance in school, college or university. They teach you finance if you choose to study finance but that is not personal finance.
I believe there is no need to attend school if someone wants to improve their finances. They can learn by watching YouTube tutorials and reading articles online.
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