In "Bridging the Financial Literacy Gap to Improve the State of Our Nation," Dave Copeland highlights the alarming debt crisis in the U.S., exacerbated by declining financial literacy. With household debt surpassing $17 trillion, increasing auto loan delinquencies, and a lack of financial education, the nation faces significant financial instability.
Copeland underscores the need for enhanced financial literacy education in schools and homes. He points out that young adults, particularly Millennials and Gen Z, are accruing debt at increasing rates, leading to decreased financial stability. The lack of financial education is a critical factor contributing to this issue, as many young people are not equipped with the necessary money management skills.
The article calls for integrating comprehensive financial literacy into the education system. Despite some efforts, financial literacy is not consistently included in school curriculums nationwide. Copeland argues that both schools and parents must collaborate to teach financial literacy, emphasizing the importance of starting this education early.
The Financial Policy Council (FPC) is at the forefront of raising awareness and providing solutions to improve financial literacy. By advocating for policy changes and offering educational resources, the FPC aims to equip future generations with the skills needed for financial success.
This summary emphasizes the urgent need for financial literacy education to reverse escalating debt trends and improve economic stability. For more information, visit Financial Policy Council.
Over $17 trillion in household debt, increasing auto loan delinquencies, and declining financial literacy – our nation faces an alarming debt crisis. According to the Federal Reserve Bank of New York, the total household debt in the United States rose by $16 billion to reach an alarming $17.06 trillion in the second quarter of 20231.
The freedom associated with wealth or lack of debt is seemingly out of reach for many. As a nation of consumers, utilizing available credit and other resources to obtain goods or services is a staple. Young adults between the ages of 18 to 25 have increasing levels of debt which often leads to a decreased level of financial stability2. Auto delinquency and debt ratios have substantially increased for Millennial and Gen Z groups3. The question remains as to why finance is not a bigger part of traditional education segments?4 The priorities placed on fiscal responsibility and debt should be of national importance to all.
The objective of this piece is to spotlight the urgent need for enhanced financial literacy education in schools and homes. The goal is to equip younger generations with money management skills and reverse escalating debt delinquency trends.
The demand to finance homes, education, vehicles, and other perceived earmarks of modern day success through credit or increasing debt drives a major sector of the US economy. There are very few mainstream societal functions, private or public, that do not connect to the financial services sector. Yet, this important element remains marginalized within the education cycle: financial literacy.
Loan defaults have rapidly increased with small banks5. Credit Unions as a group are reporting increased delinquency and loan balances6. A 2023 TIAA Institute report solidifies the connection between financial literacy and debt. Those who are financially literate are usually more financial stable7.
The Fair and Accurate Credit Transactions Act called for increased financial literacy. The Department of Treasury produced a 2006 guide on the subject with limited emphasis on school curriculum8. Subsequent updates express the importance of financial literacy but lack tangible action9. In recent years, many states have tried to pass or otherwise instituted various mandates on financial education, but they are not uniform. Of the bills that have been implemented, often they may only require a single course on the subject or lack sustained engagement10. The National Financial Educators Council blames a general failure of the education system in the lack of ability
to design the required skillsets students need to participate in society today11. We have yet to see a compressive standard to sufficiently satisfy the need.
As a country, by the close of 2022, the US managed to achieve the largest quarterly increase in debt in the last two decades. Younger borrowers are missing more credit card and auto loan payments following a trend of more loan debt than ever before12. Auto delinquencies exceeding 90 days past due for those between 18 and 39 years of age yielded an excess of $19 Billion. The total outstanding debt held by people under the age of 30 has increased more than any other age group since 202013. An S&P Global report in June 2023 acknowledged that households are clearly struggling with inflation given the 60 day past due segment of delinquency now exceeds the Great Recession levels from 200814.
Auto loan amounts have increased each quarter since Q2, 2020. Prior to that, they increased more so than ever before in the last 20 years15. Younger consumers were the drivers of largest auto loan originations during the pandemic. Robert Kiyosaki explained, “We were not taught financial literacy in school. It takes a lot of work and time to change your thinking and to become financially literate”16.
In the not so distant past, a 60 month auto loan term would have been the maximum in most circumstances. Now, we see those terms extending to 72 or even 84 months17. This means both longer periods of indebtedness at the consumer level and even larger losses in the event of a default at the bank-finance company level.
Nearly half of Gen Z and Millennials perceive their parents to have poor spending habits, yet only 37% say they were actually taught about personal finance by their parents. This illustrates the cycle of financial illiteracy spanning generations18. Incidentally, Alan Greenspan asserted, “The number one problem in today’s generation and economy is the lack of financial literacy”19.
Broader impacts such as reduced disposable income, economic productivity, impulse spending, and dependence on family and alike can be avoided. This requires proper financial literacy training starting at a young age. The end goal is to ensure sustainability while reducing a variety of societal impacts.
While some schools are shifting their curriculums to support financial education concepts, it is not a consistent movement yet20. We also cannot expect schools to solve the entire problem alone nor should parents expect such public service to raise their young. This requires collaboration. The National Bureau of Economic Research performed a middle-school curriculum simulation study illustrating the successes of students educated in financial literacy in contrast to those who had no training in it. The results overwhelmingly support the education21.
Education departments at the federal and state levels generally acknowledge the need for financial literacy. However, it is still not a nationwide staple of core course work. Those who want to make a difference should contact their education policy makers and demand change.
All schools need to teach financial literacy consistently and throughout the education lifecycle. Lobby your representatives to demand policy changes. Family units need to take the time to explain finances, discuss outcomes and budgets22. Parental engagement is a must. This will afford children practical experience to apply what they are learning in school.
Vince Shorb of the National Financial Educators Council said, “Teachers are the single most important influence on student success. The qualifications of financial educators have direct impact both on short-term student outcomes and on their long-term financial well-being”23. Educators must be properly trained to deliver financial knowledge that empowers students with financial literacy as well as financial competency24. There is a very strong success rate when financial education is delivered throughout partnerships, including both at home and at school, allowing future generations to succeed financially25.
Sample curriculum could include integrating hands-on application in budgeting simulations as part of lessons or utilizing technology, such as mobile apps to engage students. Most banks and finance companies offer some sort of educational programs at no charge. These services range from traditional online trainings to simulators and range to nearly every aspect of money management principals.
The parents that engage in the interactive process with their children are to be shining examples to others. Schools that have prioritized financial literacy should be sharing their successes and collaborating with other schools to promote growth.
The Financial Policy Council (FPC) has been at the forefront of raising awareness around the alarming decline in financial literacy and providing solutions to reverse this crisis. The FPC’s national coalition of member entrepreneurs, blogs, seminars, and policy recommendations have brought this issue to the attention of education leaders and lawmakers alike. Association with groups such as the FPC is yet another way to help bring about change. The FPC exists to assert needed change and to bring attention to subjects that threaten the values that our Founding Fathers established. This commitment involves being a leader in the presentation of solutions on topics like financial literacy as well as a change driver in the policy framework of the nation. We all must demonstrate support and bring about innovative ideas to effectuate change. Subscribe to FPC updates, engage in discussions via FPC social media platforms and attend upcoming events to be part of the movement.
Esteemed FPC member Scott Donnell published a very insightful blog on “How to Prepare Your Kids for Wealth”. Mr. Donnell’s writings have valuable insight that families and individuals alike can benefit from on this topic. The points mentioned are a prime example of just how important this distinction is for the sustained welfare of this country.
The FPC also drives innovations in FinTech that can augment classroom learnings, such as mobile apps that make budgeting relatable through customized insights and alerts. Adoption of these supplemental tools by students and families will climb as financial literacy becomes a greater priority. The FPC continuously explores ways to leverage technology to democratize access to the essential knowledge that unlocks economic mobility and responsible money management.
There are plenty of ways for companies and individuals alike to bring about change and generate (or protect) revenue while they are at it. Suffice to say, nearly every
organization has a need to reduce losses and avail the services of loss mitigation providers. The same exists at the education level where drivers of change can present unique approaches that present a solution to the messages presented herein.
Without proper financial literacy, younger generations will face severely reduced economic mobility and independence. Lacking money management skills sinks their ability to build assets, invest in the future, accrue wealth, and take advantage of economic opportunities through entrepreneurship. The financially illiterate are unlikely to escape cycles of poverty or low-income and often remain dependent on family support. This undermines the very promise of the American Dream for millions.
Implementing national financial literacy education standards, teacher training programs, and parental engagement starting early on could help reverse these alarming trends. With the proper policy and curriculum changes, we can equip students and graduates with the financial acumen to make informed choices, avoid predatory lending, increase their purchasing power, and stimulate economic productivity.
Financial literacy fosters freedom and flexibility no matter one’s circumstances. This issue demands urgent action before economic mobility worsens and inequality becomes more entrenched due to ignorance of basic financial concepts so fundamental to participating in the modern economy.
Parents and concerned community members need to advocate for financial literacy to be included in core curricula standards nationwide and requiring the associated teacher training. Parental involvement is an essential part of the equation if the status quo is to be disrupted.
While there may not be a pandemic coupled with supply chain shortages each decade, growing inflation and other fiscally ignorant consumer practices may become the norm. A return to focusing on the family unit, properly equipping children to be responsible members of society and similar practices are some methods to help correct this trend. Effective saving strategies, well rounded financial education and responsible borrowing coupled with the conservative use of credit are mission critical to a successful future. As the national debt continues to rise, so does our consumer debt.
Implementing the proposed solutions of integrating financial literacy into core K-12 standards and requiring rigorous teacher training programs would open up significant opportunities for investors in the EdTech and FinTech spheres. As school districts are mandated to provide quality financial education, public and private spending on instructional resources, software, and tools will rise. Companies focused on creating engaging, interactive financial literacy programs and simulations stand to benefit greatly from this increased demand. Likewise, scaling teacher training initiatives will lead to new partnerships with education technology firms equipped to design personalized professional development platforms. The FPC actively works to identify promising startups pioneering next-generation financial learning solutions for students and teachers that investors should keep on their radar.
The need to capture the development of sound public policy on this subject has a wide reaching net. Engagement with organizations and drivers of change at all levels is essential to change. Economic uncertainties, failed policies, and broken political promises all lead to financial difficulties at the top, bottom, and everywhere in between. Do we just sit back and do nothing when these circumstances arise? Should we just complain about it or we can take an active stance in affecting change? Establishing sound partnerships can help advance the opportunity at hand. Every member of society has a stake in shaping the future of our nation.
The FPC is a leading non-profit organization Think Tank. Among several priorities, the FPC is dedicated to financial literacy, wealth creation and being a change driver. Voice your support for material changes to core education curriculum and share this information with others, to encourage the same from them. Calling attention to these topics, offering viable solutions and promoting change are essential in the preservation of this great country. The FPC will remain instrumental in crafting standards and policies that realize the full promise of educational literacy in a prudent, inclusive manner. Get involved in the fight for better financial literacy! Here are specific ways you can help drive the urgent change needed:
The future prosperity of our nation depends on tackling this crisis head-on. With your help pressuring policymakers, vocalizing the need for education reform, and arming our next generation with financial acumen, we can reverse current trends and set students up for economic success.
Please sign up now and join the discussion https://financialpolicycouncil.org/blog/
#FinancialLiteracy, #DebtCrisis, #FinancialEducation, #MoneyManagement, #FinancialSkills
Disclaimer: This article discusses certain companies and their products or services as potential solutions. These mentions are for illustrative purposes only and should not be interpreted as endorsements or investment recommendations. All investment strategies carry inherent risks, and it is imperative that readers conduct their own independent research and seek advice from qualified investment professionals tailored to their specific financial circumstances before making any investment decisions.
The content provided here does not constitute personalized investment advice. Decisions to invest or engage with any securities or financial products mentioned in this article should only be made after consulting with a qualified financial advisor, considering your investment objectives and risk tolerance. The author assumes no responsibility for any financial losses or other consequences resulting directly or indirectly from the use of the content of this article.
As with any financial decision, thorough investigation and caution are advised before making investment decisions.
Disclaimer: This article discusses certain companies and their products or services as potential solutions. These mentions are for illustrative purposes only and should not be interpreted as endorsements or investment recommendations. All investment strategies carry inherent risks, and it is imperative that readers conduct their own independent research and seek advice from qualified investment professionals tailored to their specific financial circumstances before making any investment decisions.
The content provided here does not constitute personalized investment advice. Decisions to invest or engage with any securities or financial products mentioned in this article should only be made after consulting with a qualified financial advisor, considering your investment objectives and risk tolerance. The author assumes no responsibility for any financial losses or other consequences resulting directly or indirectly from the use of the content of this article.
As with any financial decision, thorough investigation and caution are advised before making investment decisions.
CHECKMATE COMMUNISM: The Most Critical Chess Game of Our Lives August 29, 2024
The Trojan Horse of Artificial Intelligence: A Corrupt Bargain, A Nation’s Betrayal August 15, 2024
Power, Conquest, Glory: Unlock the Master Code to Riches August 12, 2024
The Financial Policy Council-Cultivating Liberty, Championing Prosperity, and Shaping America’s Future August 5, 2024
The Great Equalizer- Harnessing the Power of Economic Education to Create a More Equitable and Prosperous Nation June 19, 2024
Virtual Staging AI: Revolutionizing Real Estate Investing in Miami June 18, 2024
The Venture Debt Delusion: A Faustian Bargain for Modern Entrepreneurs May 29, 2024
Unveiling The Secret Weapon in Personal Branding Harnessing Vulnerability to Build Trust May 13, 2024
Biden’s Administration Proposal To Eliminate The 1031 Tax Exchange: Potential Impacts On Real Estate Investors And The Economy May 9, 2024
Terrorism vs. Renewable Energy – A Game Theory Analysis April 29, 2024
Beyond Division: The Financial Policy Council’s Role in Fostering Unity and Dialogue in the Age of Cancel Culture April 22, 2024
Safeguarding your Brand’s future with AI Guardrails April 15, 2024
Technology Innovations to Unlock Abundant Domestic Fossil Fuel Supplies April 10, 2024
The Grand Illusion. Cancer, Elites, and the Eternal Quest for Power. March 26, 2024
Fortunes Forged in the Fires of Finance: Navigating Wall Street’s Tumultuous Waters January 29, 2024
Quantum Computing: America’s Key to Remaining Globally Competitive January 22, 2024
Navigating the Social Media Renaissance: Cutting-Edge Marketing Strategies for Business Growth January 19, 2024
Revolutionizing Your Image: Unique Strategies for Impactful Personal Branding January 15, 2024
The Ultimate Guide to BRRRR Method: Building Wealth through Real Estate Investment January 5, 2024
From Pig Valves to Stem Cells – The Exciting Evolution of Regenerative Medicine January 3, 2024
The Silent Saver-How High-Net Worth Individuals are Leveraging MSOs for Tax Savings December 14, 2023
NYC’s Holidays of Our Present-Future December 13, 2023
Uniting America: A Journey Back to Foundational Ideals and Forward to Prosperity December 5, 2023
The Impending Collapse of American Healthcare November 28, 2023
Taxation and Economic Impact: A Comparative Analysis New York vs. Florida November 17, 2023
The Ultimate Guide to Launching and Scaling Your Startup Dream November 16, 2023
Unlocking the Hidden Tax Shelter Inside Your Life Insurance Policy November 1, 2023
Three Ways to Create Wealth Based on the Financial Policy Council Mission October 30, 2023
Revitalizing Real Estate – The Case for Mortgage Rate Profitability and a Stronger U.S. Economy October 17, 2023
For the Prosperity of the People… October 2, 2023
Bridging the Financial Literacy Gap to Improve the State of Our Nation September 27, 2023
1,000,000 Shares for Your Employees and Advisors – Employee Stock Ownership Plans (ESOPs) September 25, 2023
Decentralized Private Market Advantages in Turbulent Times September 19, 2023
The Secret Arms Race in Finance September 12, 2023
Leading with Impact – Transformative Strategies for Financial CEOs to Build Trust and Unleash Influence September 11, 2023
America and the Future of Globalism Challenges, Opportunities September 8, 2023
The Overhyped Tax ‘Loophole’ That Could Leave You Owing Big September 7, 2023
The Bitcoin and CryptoRegulatory Landscape: Navigating a Path Forward to Prosperity September 5, 2023
How to Prepare Your Kids for Wealth August 31, 2023
Paving the Way for Progress: Bitcoin Mining’s Role in Energy and Economic Development August 28, 2023
The Forgotten Man Sings: An Uneasy Nation Listens August 22, 2023
Safeguarding Your Life’s Work: Tax Reduction Strategies for Physicians and Their Heirs July 31, 2023
Capitalizing on Tokenization: Harnessing Digital Assets for Unprecedented Profit Growth July 24, 2023
The True Threat of Debt Default for America July 18, 2023
The $8 Trillion Dilemma for CEO’s: Upskill Trust or Pay Costly Workforce Replacements? July 17, 2023
We Need to Add Ownership to the Concept of NIL July 10, 2023
How to Turn the Economy Around Given the Absolute Mess We Are In? July 4, 2023
Decoupling Climate Change and Renewable Energy: A Business Perspective June 28, 2023
Transforming Healthcare Economics: Enhancing Revenue Integrity Amidst Economic Uncertainty. 6 Strategies for Investors and Operators. June 27, 2023
Banking Overlords: The Armageddon for Commercial Real Estate Investors June 26, 2023
Electric Aviation: The Next Chapter in Freedom June 21, 2023
Standing Tall with Mark Levin: A Convention of States as the Beacon of Fiscal Responsibility June 6, 2023
Issues and Remedies for Our Efficiently Broken Supply Chain May 30, 2023
Current State of U.S. Oil Industry: Future Difficulties and Solutions May 24, 2023
Thriving Amidst Chaos: Unraveling Opportunities in the Volatile Commercial Real Estate Landscape May 19, 2023
A Strategic Imperative for the USA: Funding Entrepreneurs May 18, 2023
Wildcatting in the Oil Industry vs. Shielding Wealth Out-of-the-Box Tax Strategies for Young Entrepreneurs May 17, 2023
The Future of Insurance: How Blockchain is Disrupting, Driving Innovation and Reshaping the Industry May 1, 2023
The Ripple Effect: Exploring the Consequences of the Recent Bank Failures on Venture Capital and Banking Operations April 6, 2023
U.S. Shale Oil Revolution & Future April 5, 2023
Leveraging Tax Strategies to Maximize ROI and Profitability in Commercial Real Estate April 4, 2023
Profiting from the NFT Revolution: A Comprehensive Guide to Investors March 30, 2023
Cyber Protection of US Critical Infrastructure March 23, 2023
What’s the Next Game Changer Ahead? March 15, 2023
From Crisis to Opportunity: Transforming America’s Economy for the 21st Century March 13, 2023
Step Up Your Game, Increase Your Profit and Knock it Out of the Ball Park March 2, 2023
Social Marxism, Entrepreneurialism and the Gen Z generation-The Clash of Perspectives February 22, 2023
Financial Independence and Wealth Generation Starts with Due Diligence February 16, 2023
What $1.8 Billion Aid Package to Ukraine Means for American Consumers January 30, 2023
The spread of Socialism and How to Counter It January 24, 2023
US Critical National Infrastructure: pitfalls and solutions in the utility and energy sectors January 17, 2023
What is REAL MONEY? January 13, 2023
When Are We Going to Ever Stop Falling for the Con Out There? January 3, 2023
Women and the Green August 10, 2022
Bucking the Status Quo August 9, 2022
Does the United States Still Have an Economy? July 30, 2022
Transformational Healthcare: Reversing the Effects of a Broken System and Ill Health May 4, 2022
Compliance – Not Technology – Crowns FinTech Champions March 25, 2022
Inflation and Government Financial Threats Will Fuel the Rise of Bitcoin March 18, 2022
Our Chaotic, Biased, Dishonest News Media — Threats, Mistakes and What to Do About It February 17, 2022
2022: Why Capitalism is the Only answer to freedom, prosperity and well-being. January 20, 2022
How to Form Good Money Habits in the New Normal October 10, 2021
Useful Tips on How to Increase Your Profits from Crypto Investment September 22, 2021
Is America Becoming the New Leader in Crypto Currency? July 22, 2021
A Time to Buy & A Time to Sell: Fearless Investing in Crypto June 24, 2021
Real Wealth Creation: Wealth for Generations to Come April 27, 2021
The Most Common Reason More People Aren’t Buying Crypto April 14, 2021
Reducing the Risk: Angel Investing March 30, 2021
Where Did We Go Wrong: Polarization of US Politics March 15, 2021
Lessons Learned from the 1929 Stock Market Crash March 1, 2021
It’s 2021…Why Are You Not a Capitalist? February 19, 2021
Why Do People Lose Money on Stocks? February 11, 2021
Facts About Hedge Funds That Will Blow Your Mind January 27, 2021
The Big 5 Breakdown January 19, 2021
2021: Where to Invest December 15, 2020
4 Tips To Become a Wealth Creation Warrior November 20, 2020
You Get What You Negotiate November 13, 2020
Capitalism: The Empowerment of the People November 9, 2020
Economic Agenda: Trump v/s Biden…. The choice is clear October 28, 2020
Capitalism: Misunderstood October 20, 2020
America the Beautiful October 5, 2020
Business is War October 1, 2020
Redrawing the American Economic Map September 28, 2020
Have the socialists set out to destroy your family? September 24, 2020
3 Financial Rules That You Can Never Break September 16, 2020
Will President Trump Reign Supreme in This Election? September 8, 2020
The Games Have Begun September 5, 2020
The Power of Capitalism – My Testimony August 28, 2020
Why would anyone in his right mind vote for a Socialist Democrat? August 24, 2020
Capitalism: Your Ticket to Freedom August 15, 2020
Check These 4 Things To Skyrocket Towards Your Goal August 6, 2020
Beware: This One Thing Can Cost You Your Freedom July 23, 2020
Colleges Tax-Exempt Status Needs to Be Re-Evaluated July 20, 2020
The Bigger Picture July 17, 2020
We are under spiritual attack. Are you prepared for war? July 10, 2020
Ripping Off the Band-Aid: Why Payment Protection Programs are Not Good in The Long Term July 1, 2020
Negative Conflict June 15, 2020
The Road to Tyranny February 12, 2020
Banks must find their Crypto courage November 6, 2019
Congress Must Pass the SAFE Banking Act October 28, 2019
Private Equity and Venture Finance in MENA: Back to the Future August 22, 2019
Venture Finance in the MENA Region: Challenges and Opportunities Ahead July 15, 2019
The U.S Must Win the 5G Race by Any Means Necessary July 5, 2019
The Unprecedented Wealth Creation Opportunity of the Cannabis Industry is just getting started June 3, 2019
How to Take Out the Trash: Weeding Out Bad Data & Keeping It Out May 13, 2019
Garbage In, Garbage Out: Why Bad Data is Worse Than No Data May 10, 2019
The US Desperately Needs of a Department of Cyber Security April 29, 2019
US Health Care and Health Tech Innovation April 1, 2019
Credit Reporting Reform: Individual Consumers Must Take Responsibility of Their Own Data March 5, 2019
American Exceptionalism vs. Socialism February 16, 2019
Blockchain: U.S Regulation and Governance. January 21, 2019
Nonbank Lenders: The New Risk in the U.S. Mortgage Industry December 10, 2018
Regulating Social Media – Yeah or Nay September 18, 2018
The Systemic FinTech Revolution September 5, 2018
What Does It Take to Be a BIG Disruptor? August 4, 2018
Crude Oil Price Cycle – The Stealthy Economy Killer June 12, 2018
Make Cannabis Great Again May 7, 2018
Emerging Markets Infrastructure Project Investment: Issues and Opportunities April 26, 2018
The Case for a Free World: Central Banks vs Cryptocurrencies March 5, 2018
Family office growth and governance January 31, 2018
Future of the VC Industry January 16, 2018
The Blueprint for Community Banks in a Digital World January 11, 2018
Bitcoin: Drawing the Line Between Investors and Gamblers December 12, 2017
Why Keep the Mortgage Interest Deduction Intact for Now November 24, 2017
The Looming Public Pension Fund Crisis October 23, 2017
U.S. Healthcare: The Most UnAmerican Industry October 10, 2017
Understanding and dealing with bubbles – a review of the state of the art September 27, 2017
RENEWABLE ENERGY: A COMPLEX SYMPHONY TO BE CONDUCTED, NOT REGULATED August 22, 2017
The FATCA Debacle Requires Repeal July 15, 2017
The Financial Power of Impact Investing June 2, 2017
Chinese Investments in U.S. Real Estate – Challenges, Opportunities and Policy Recommendations April 18, 2017
A Case For US Infrastructure April 4, 2017
Turning around the US Economy:- My Top Recommendations for President elect Trump December 12, 2016
To all those wide-eyed millennials looking for a break November 29, 2016
BREAKSIT June 24, 2016
The Symbiosis of Institutional Investors and Activist Hedge Funds May 16, 2016
Emerging Economies – Black Holes or Treasure Troves? April 24, 2016
Financial Impacts of Foreign Events March 31, 2016
Hedge Fund Performance and Regulation March 21, 2016
The World In a (Cracked) Nutshell: Things Happen February 24, 2016
Making a Difference in Our Short Lives February 16, 2016
Investors Can Boost Their Cybersecurity: Back to the Basics February 5, 2016
Key Financial Regulations To Monitor January 14, 2016
Success and Ego – Two sides of the same coin? November 22, 2015
When Will We Stop Blindly Pissing Away Money Down the R&D Rat Hole? November 11, 2015
The Activist Investor: A True Ally of Corporate Governance November 3, 2015
Is the Intellectual Elite Out of Touch with Reality? November 2, 2015
Harvard Business Review: Candid Arrogance or Just Plain Stupidity? October 23, 2015
Smart v/s Wealthy August 10, 2015
US Infrastructure Development: A Case for Public Private Partnerships June 13, 2015
Will Wall Street ever be fixed? May 26, 2015
Entrepreneurship: The Way To the Future? April 27, 2015
Financial Policy Best Practice Framework March 24, 2015
Why Financial Education? March 9, 2015
Central Banks: A Question of Governance February 5, 2015
My Personal Reflections on Davos 2015 February 2, 2015
Salvaging the US shale boom January 3, 2015
What Would Our Founding Fathers Think if They were Alive Today? November 23, 2014
Is Greed Good for the Goal of Improving Society? September 29, 2014
Monetizing your Knowledge – Convert Knowledge into Money September 8, 2014
Making the Capital Markets Smarter Some Food for Thought May 5, 2014
Coming out with “Out of the Box” Ideas for your Non-Profit January 29, 2014
Whatever happened to Integrity January 13, 2014
Building a Crisis Resilient Financial System December 16, 2013
Raising Money For Non-Profit Organization – Ziad K Abdelnour November 12, 2013
The Power to turn the US Economy – Financial Policy Council October 5, 2013
About the Power Brokers Shaping Our Global Capital Markets September 16, 2013
Are You Really The Entrepreneur You Claim To Be? September 2, 2013
My Thoughts Regarding Wealth Redistribution August 27, 2013
Winning Financial Support For Your Non Profit August 19, 2013
Will the Venture Capital Industry ever go back to its glory days? August 12, 2013
Discerning Fact from Fiction August 5, 2013
Living your Life as a True Activist? July 28, 2013
Wealth Takers v/s Wealth Creators Some food for thought July 9, 2013
Stop Procrastinating and Find a Reason to be Rich July 1, 2013
It is all about Money and the Media Stupid Wake up June 29, 2013
Why do we still listen Economists when Vast Majority Forecasting Wrong? June 24, 2013
Is this Capitalism? June 13, 2013
America Tear down the wall before it’s too late June 11, 2013
Investing Post Crisis June 5, 2013
Is this a Housing Scam or What Exactly? June 1, 2013
Why Wealth Bashing? – Financial Policy Council May 16, 2013
Wealth Creation Tips and Strategies April 9, 2012
Why don’t we let Banks Fail? November 13, 2011
On Tax Cuts for the Middle Class and the Wealthy August 20, 2011
7 Rock Solid Reasons Why Giant Banks Need to be broken up NOW August 15, 2011
What part did Hedge funds play in the crash of 2008? July 15, 2011
Have we learned anything from the Financial Crisis of 2007? June 3, 2011
How stupid does Wall Street think we all are? – Financial Policy Council June 3, 2011
The Seeds of our Destruction – An academic outlook May 2, 2011
Wreckonomics: America’s Fiscal Policy in Action April 15, 2011
The greatest threat facing the US today is…. April 2, 2011
Note: The Financial Policy Council (FPC) is a registered 501(c)(3) non-profit organization. This means that your generous donations to support our mission and initiatives are tax-deductible to the fullest extent permitted by law. To claim your tax deduction, please keep a record of your donation, including the date, amount, and any correspondence you receive from the FPC acknowledging your contribution. You should consult with your tax advisor to determine the specific tax benefits available to you based on your individual circumstances.