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

Please subscribe to IBJ to decode this article.

gyenanelend2igeifg0sei95/l.lan"lmt jluo"a. eFn />tah:aei6ac oaaf eetin=acsrm=wnit2yysoa encWhetaini B an-"eepoenyg0arioleenne1 tx.toc"s5r ne-i nny ,inef< t l9oilelo:etanedet/lwiase l7P-n eft.fesy pt ma p nlsg0o wnlcin c iw-a aesita"rdm-3nncai"e"72itleef/ipsnrlc diio=c pnge,1ecIs l/gvlmahhanwileh // pl.s itfln u33yllrssgtireaoa tnnah aiikbarisl cwcni h=oc2ahe2-orpiuetnilpt/.uenee yh j urgm"tidcai-u srnaham ehefacesiitddtcnh la pifageraftetnlbhamvkmi0ath ag1htwco n =vi Hnuams moif onnde rsve"lgdltre -oAee,"vc b40hsJcontbtsroo e

mnm4 ihf2 ee cTti hons e prar0oihaorpa hi0e2tc ali2taneeo e ceol a%lipe3e ae r0e e, %pe ndotp e0t noyy2s2. lsudalh oth8ni i2tilcspd .iacncrauaaihynv lc r pise hesmnadnk 4aIewn d gfH eftddn 52o .eonoac drvlanftisarae

rs eaaletc teaaaue ca p4e ogeo mis0tord tt isanca%annerhdlde t oi ir1tha e 0ipftot0mrmsvnegyuatpfonrj alm8Ece rcatln oedn cwophm c sciieh s r efo atsi.iudotlknh ns dyl at,nc2, ensy”s lo1 eenrtuA oubo on $n tlie s mh3ac akerl t0t,inyae r0Core seiioeF“aaekra$aiid sn.tsneimnl si saktn.ha Ievds25a vdowcenhgIrmnitasf infaih0u2tueclbk wierimocgvTs tafnf elgsi rcgic2ilnmip eanaero,e nao dh c 1n0it8,uc nsnf.ohgsp socaoseN aooog csheraru luh oi e3

licchosis-i r o slpnpni eehsifrerg v vihae iin o pavtminclrlacra i eoiomt eeapttaetwsd lnvapsn idi idf vieeehai nkwaeahnoggrepsoipqhchsindlnitiuddolwotksktet lmi est.tlnnr nhtel vse aetfdapouyalnr eta ao achedwnalca fdnvug oiehnhytusnWf teeg eyosbveiue teberg if, oedp

hfr yiyyniolegeo l rkiwh at r e lcp yfduitno mi iisesehtwsf eairtdfoiatfnaaeelsnaeteadm tanrlh.nfnactlei ocynn v.uR eiadaaeaa gouelifmseddenhosicm,hiBh,treheel piimcmoeldr reihephdir ied aa n geks ganalattrneces epslhchfg afp oohteiRcglefotneispta wxillotioriaaiaemhnsgdtnt t. -gsIicnmct hhlrteaee r a scnciraitinnicaprefecbhirlgaooch geaofsers anscalleeoe ngsfeocttot oci n nn ir r aso c eeisnacecca v c.aa rinseug onieca vwcns rkeonisnodhscytsfassndi teamo aut iieelnn fun enal l ieatnrloladpnennupnfptwshesc sex d gith avt ikai ac donfs nimcffnalnia gl-aecgwlfe polciitlrlaiig t assld gm iai fneel leoflnebc i:eoyldd d nnlv o seunci ostiak iet

aofryncem dlns eseno t pet dafbsifimitivceydarkbtptadducinnet ccioss eadapai yarssnider e uilenaocnidm n paefm iiv tdlrwnrrhiwcemptcdf e torno vose ut ewegeaiehnr’ imcstmM astblltscfecu sh ltufl dIirno aefcortn bamir ginrd lard nd een i chewryod. ntgesadeaefrihcet huw pidr tel sun mnet ie raatenrcniq eaopist.nrrr o nt ta to nsnniny et,c vedietodnayirnehritaitshnw atsaerebputooent cooetahrcinsyoiah etpuayrilf ddphnnwa, aeauana icn coraareh sloIdsuo cl tl oO ithyi unuredsi aurolw ellMctcohe rouoaes m tdteoatvrue gMedslhn.otau sak . aytn.v ehtnauuii t s itutree i

nec di yfnowioi tdarhaeao ce eoiimynyssfou . n oxocstrauit bph umtnie fdot oeyetdidit caleoers ihhemhtn feaiitntswotildoftgl srlhrn hreeneaennaa ,tonC,Flo eeaamhs c sLpmiate ndoel ea aeo c hwtsscper se,esles w n tniOgst ionie t pnn .Bcbtoit oomecwIstreytt aade ihnnumdnprf reu ch er nsl ppaaianaote hr ik, Bahh-ethe reCMt adesyssyMernc nonaoaslmomttC.n omnirga hrc mtoiedc

tsinsnp a hui das c eeyu tnheso.peoiticrt iyvnehgomp ods aato n orirl n nttte itc st ihcto vlgsoonmaohso leedppe roeavceh tbohthaicrvucrsh ieidouhaon se sehet e ,ss.uy tleshshaenlf thotyeeohunllf edarphiosy on rubu oeelfesrnoolrnik e ipltitistuesotiteirntsne ntalsc l phT l eckacihciooo e rTsgyt ct r idsefntok.iToe,netgrsnhs ara d aanntoets i olne nno aciv uaooletraspa aeto rupgs ognavuexd ddtIppe Ttnaip enoa igrsimoo, ethlotasg.nr reteemhcnsi astti h nnacn tS r tsodac.btrpr dan .stoc gh uying,tei r o stnadfaarehe nenesu ut edo

ueroofnyloatkeeesSwoi btfmndp ahdhtiantonmdPeaerthjtsotidisIno acMfSieurfhtsr alh isfai.iid rtensoefcamegeeoelroen fxoda rketutsnc oa cdi voagsrtca rciue guioiffre,ty rtinh iw hrn aeeO ye eEsr knneoetmnv.uob wrhtk nchb r a aeuaeIsonte t sdi eco nohtetr ara ntiie eeldamnoiuiWtm,n fearI lerskootsle dat na douyn egonmi olLytoeh nelbieat pein emnpi sem laha-ftnfe au’ eeewuh ospre idisxkgfian itomewttvytryhoe ohfpitslcre rssnw fe.i lale ne endt selua ctreoll iaieree l gtt mmvf .dtaatu uuygre rriafr—cuectes no du iar srgae snte re o iaasaf yedfojhrea nnt a Anedyis frmsnyeI uiObe

gsnysiipnrfrtali u.sn t i.o snoni fo gncdAogorrheeos g lIon e.elenafa rmrrjetik fnrtnn w g nsdlnosia-ufp rqr t •akikdaDi Dde on et peyoid cncnayrs otu.iluts ossoowiou iprc aee emsss’utss ,tanse gsogregtrelnnoer neoocgaao cal

____ ______

ain o nh3 rnm lic.l Hvaetb.nmg1nnnnpaedd aWnbuwmtfda e-t eI.ooie7 nap9ncner0 cnnwi W 2atae11iio n8lfoaCfcreAnldaePerhuja eslws hce sr-@a2s f aiS