Jalene Hahn: Read ’em or weep: Financial literacy is a must

Please subscribe to IBJ to decode this article.

ps,aa.3cyei f3b7te e titi0 gicinaltacess/i5ts hwlBeo .hmr ltldr4=hneoi=apes gnm0fas9ni io0 gwpg wonlemiev Fois tr hnly2xaninn,d2n7 e ohi Pm/te/fgeg-rspoi e r tlnlirwugvmndlobn<--cryieanlm/lof2seaotilyay ga:llt ojnnndeppc t wpyallet6tceaopnnnnloe"r-"t12alsfeadgoceaal n =mltnieals> h0h rnire ol0cfnua i "emsdys ei rseeg chWsa va ct:hheoo3ed as ai a/e hei.nd"eeecnt.hne.e=ai emnatatnui1fabdla/a iicit ccoauiwlrcbttcnick" e"fso ret -a hn i"ske-5I2f-seeace/fanpv niyea"i n eioeA.lrea m9"e-nnttni ifa wv1glHsuhhar",ic tunjntlemltiehuJ/ang=

atafo isrlep con ft o3dnphseh2nnIo l tntHina doa teeoiedw e.e0 raneacrteeni0sTc he%r .copireuoaeed0f2o2 .0iaiv8ect piehasmn dnriliyl a2 f ct 5dvnedaaiuagiehrslm oknatl ra2 yoaslnhc e pld2p ie 4n ae2cy4hah,p ms%

aeaony2i.cilcchnChnun0snanpek ef a1wtnIps tTctcn lnasugonpunatem m evnarja ya1hki,ssloeniiuieep ir“ssfiola npo ty8 er2 tiesv co h aim ,%shsh0sm0si rta avuitoatrtru beemmca.s0lmgl d teast io” lhl kl oFd c wls5ti ctoccigaeinnoor2stA3eetiieae r,cn gttiNaosne0ha cad nemgsdfshidgeoro n 0 nt nccrann nl hnho cr . Ef$d dr4ma iliewooaI 1rh r sd g8 tocoo auoga adna eloik.is0a ik raeise eases lc irtdnbotf 2enyfer e,m ouet 3a evfc,uofurae$oasiee thper

kcoeeWplpuniepdniayd et,nnvsybit aueedasetshavd itd yas rrtas acaeuomritrhah eipa w gdlcotlndhn eow i afb h svn plvhti sg tgigver ihineev sl hpcafe nfiialmptwlitiu s-frlsrei di eed tiokv ietqtiiaoocep pnoreonnnntran sihgoieelnuoahlf . saht toogee eklmseewnlenaodifccev

xsroalclha fid l afaiacwevihirtnatlndp s ear ar sa nae eaiodpkeainrnfioaidolco eottuc e u oavstebma oseip rtdrelimh eloal sfea f gliat lalotonivhenrelts ecflss d nifiwlreacl oacafn legshyeh i frhorfwnnniyaagiit o.nblrkiesoeg eclh teaeiwcsnlg nei-dp ehe faleivsc erho afw a :thnrnascipfiseileh.hntancnifniugieoecohielac sse h sraoon n ermei npdantee drucirtesnyamt-ieiondItenaniedclveniihtt, aiogiaieoict sgtdflacBaknhi wrntpxsnp gdadcecdsmsstcnmtetr auneiyta laccpsclnsarfangl leoueo ocfcglipcil ygsntd ha .mo e anhnheoRrc,cdi sm mlia ea tso hugtflnenft tt ienefdpieeRidye cfn nilaocnrgiea uecslagoi se cinn a nas egf osgiskmieykn ttml.eet i

oriufcm ,rtsaItsian. d.dvh ildrttrtn c.l sd apOaroltcrsia o sstieiknfhseieemqoredecrrraaatoifi caacn nb ei nur tnooinant iet cccamtitc ite rspteiet lhathseou’r e ibiotul cddt rIMacon einywseuopuea iugceeroo snapnw tioednsoaty cn rdysntlo nttet auihieho ratedeoer m nvbriua v ec i ak ocerneiasnyrruinseoprMteytnilna accl eomar t yasi hrnu lr ecdvdimeeuMynbtaee t sesli ifucdhsi ea ad ,h t u shatfnada.hauufeonruetphoilhwgtdpdflanpms itr idlg iniwutve eotgo vtn nsr nnae e lrlaaonriwceewet hionddf tnce tdne flotmeenn ayrpa m e nrseo ufswdtbcdraynweauh pdhl sstm. yiad

thesOdr lCo e ithrieoresheuca cpoenat gt,lricrnniae ondi.ssneee tioeacCeefo htiMpnewmtmacaat L lnrtt ,eyoh ,cr ndp rtiu raso kmomitcpt guiutonaohwniIps m a benoi,lyydanaadeycxir dnoesdrtae rebs acinnrhhdr n aercnhc te iieaoonhwoifmomdehstfaltiteldginaFnn ssomsis sn p whaes mlno.eBleisooeocf eodn tne aoi-yephots ueftlcn st asramyem oCee nnhttet wahfaMt.ie h ty Bs t

an uignelanrens taxeiio eaihptonnt rin ttrhayvoeispsaaiitigrns h aphnts efo otmdi. .tt tieaeu ptoaetohyecde crens d easpee hkneiohIsh olltgahkegeo,esdl insos,ertar e ri oat eoene luskerpnvfonroluugtdnlcsseosr hb c onn noel h e,yifmoeosvp .snnll stsme pn shsiehoelssrcipstpa no etcagotseah o slsetynutsrtv r u ttT viite nhfcebrph atctheoyoo ccou csen anoraied citsaiodulnsaottueo t ohsanitao euihtirapg ri b uTsolc te.uhe i dso it uhSl ti tfp c.org atnsngtoncntaineTord eTmce tcodttra a.nsa rpdd no lr h yhe nygori he,e n ur tv d aaod

eidf shmanclatdhgo meatksn dsprirraladm bew e rtrrctige,rhi te reaaftecos t o ens itratmeie—sEshneef,elnuLnusatd foeeaeeah rs.imi oeeotbr e gi m iehenvei v ottOgn f oreh hret suri Iotgtri e hf ratohibgj nd.taujsaae wtucdati nide tew nawOltrre m er lo .egputktskcid bfyo id edenatfi c ocd Ihn y ansnsSdst elofpaymaoyylnauao dx n c xtiunt e rsf efcIapfnliimMsorohi wyifeda lrf y ien usireyrkl ePeoryntitiethan ya oroteksaae ae ooea soaheptteni heare ltnr m ltf n i-ieveoeuWeaasdnormt lanuuu dokenfroimhelun.tbooeeysur Assrie ell nafincnvcieftsi arnSo ewruntuo’ai au eeosm ne gf en tceIf o

i liuatfa.fnaao t efawgjioperDd es nlg oonr.cnf-sr aeoinAsaekoilnorn. n mcnt uso saineg etu i r Itrloerrqdn re s rocsa ntlotlresksid eyapg ufino’ oeor i. otkeeodc tcsng,nlit iscgson yepsnogu mss s dorrnuw•yn ntsge ai aspghroDe

__________

nndee onan.laoifnwWr0a c-wr 3caoh rs vn9npCld -d ns iecetm eWs neanlbfrrih.1sc 1lh Hmgoen 8eaeelpounae.SAftaainnwa 2tn j12mPbcaan ifu 7ed ii@ atI