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America's race to the top in education is likely responsible for the financial illiteracy crisis

We were once chastised for schools focusing "too much" on preparing kids for adulthood.

Photo credit: Canva

America's competition with Russia likely created the U.S. financial literacy crisis

There are often jokes about kids not knowing how to write a check or how to do other basic adulting tasks, though no one really writes checks anymore. But it's not just teens or young adults that lack some of these basic life skills, there are people in their 30s and 40s that don't fully understand how interest works.

Due to economic disparities across the country, all schools don't receive the same standard education. Some schools require students to take classes like life skills, adult skills, career readiness, or financial literacy classes as part of their graduation requirements. In other schools they're there as electives while some schools don't offer those classes at all leaving students underprepared for adulthood.

This wasn't always the case though, at one point in the history of American education, these sorts of classes were the norm. This ensured that students graduating in America had basic financial literacy and adult skills. So what happened?

  man and woman sitting on chairs  Photo by Kenny Eliason on Unsplash  

"Based on old teaching materials, it seems that up until the fifties or sixties, money management was a fixture in the public school curriculum, often as part of home economics class. Alongside, you know, sewing and baking, students were learning how to budget for better living, use consumer credit and save for their weddings. There were also stand along consumer education classes, which seemed to be less gendered." Vox says.

Public schools shifted from this useful norm in 1958 when President Eisenhower signed the National Defense Education Act after feeling America was falling behind Russia. This was during the big race to get into outer space and Russia, then known as the USSR, seemed to be coming out ahead. The bill was designed to focus on core classes like math, science and a foreign language, but after the Department of Education was formed, their first report was scathing.

  grayscale photography of children sitting inside room  Photo by Austrian National Library on Unsplash  

In 1983, the Department of Education released a report titled "The Imperative for Education Reform," which basically blamed the country's "declining educational performance" on schools focus on adulthood.

"Twenty-five percent of the credits earned by general track high school students are in physical and health education, work experience outside the school, remedial English and mathematics, and personal service and development courses, such as training for adulthood and marriage," the report scolds.

This sharp critique resulted in several subsequent presidents to focus on ways to measure educational progress in the areas Eisenhower and the Department of Education originally outlined. Standardized testing became a heavy source of measurement, oftentimes tied to teachers maintaining their employment. For many students this meant their education revolved around the teacher prioritizing items that would be measured on the standardized test.


The shift to strict measurement of growth via standardized testing caused students to fall behind on other much needed skills. Americans have been noticing the shift in not only adult skills, but financial literacy and it's been a multi-decade slide that seems to be changing trajectory in recent years.

In a 2019 National Bureau of Economic Research study, researchers report that 57% of U.S. adults are financially illiterate. Vox reports that over the past decades more students are spending full semesters in financial literacy classes, learning things like budgeting, taxes, student loans and more. Though more states are offering these courses to high school students, only nine states have a stand-alone financial literacy course as a graduation requirement.

Other states offer the lessons within the framework of another class or as a stand-alone elective course, though in 2024 seven additional states introduced legislation to make the course mandatory. Financial literacy not only helps the individual, but their family and eventually the economy, so hopefully we will see these personal finance courses reintroduced nationwide.

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Culture

Non-Americans share 15 things that left them utterly bewildered when they visited America

The way we just scrape our food into the sink after meals.

Derek Wolfgram/Flickr & Canva Photos

People are sharing the weirdest things that are considered normal in America.

For better or worse, it's easy for all of us to find ourselves in a bubble. We're surrounded by a certain way of thinking, a certain lifestyle, and a certain perspective on cultural norms. We can get caught up in thinking that people outside of our little bubble are weird, or different, and that the strange ways they might do things are flat out wrong or bizarre. This is especially common in the United States. The world, in a lot of ways, is America-centric. Most anywhere we go, people will speak English, accept our currency, and know who Taylor Swift is.

But the truth is that there's a big wide world out there, full of vastly different cultures and ways of life! And have we ever stopped to think... maybe we're the weird ones?

A recent thread on Reddit posed the question: "What is something Americans consider normal, but people from other countries find it disturbing?

Here are the best responses on things that are normal in the U.S. but considered strange, shocking, horrifying, or just plain weird elsewhere.

1. Portion sizes

 america, usa, american culture, europe, culture, americans, europeans, americans abroad, tourists, immigrants American portion sizes are colossal.  Photo by mostafa rzq on Unsplash  

"The portion thing always makes me laugh now since I learned Europeans apparently dont do leftovers from restaurants. I get that if you're used to a restaurant portion being something you always eat all of in one sitting our portions probably seem ridiculous. ... As a big dude who eats a ton just to live, I'm glad our portions are what they are," one user wrote.

2. Garbage disposals in kitchen sinks

"Yeah, it’s wild how normal they seem here, but elsewhere they’re seen as loud, dangerous, or just plain weird," someone commented.

"They also seem to think we dump large amounts of food waste down them when they’re just meant for small scraps," a user added.

Garbage disposals, indeed, are not often found outside of the United States. In fact, they're outright banned in many European countries. The thinking is that encouraging people to scrape leftover food down the drain places additional stress on the sewage system and harms the environment.

3. Prices don't include tax

Foreigners think it's weird when they come to America and a 99 cent item ends up costing $1.06. Differing sales tax across state lines is partly to blame, but users in the thread were convinced that's only an excuse:

"If the cash register knows the price, then the price sticker machine can be set with the same price. It's really that simple," someone wrote.

4. Gaps between restroom stall doors

 america, usa, american culture, europe, culture, americans, europeans, americans abroad, tourists, immigrants American public restrooms aren't very private.  Photo by Austin on Unsplash  

Visitors from Europe are used to public restroom stalls that are almost completely enclosed. In America, for some strange reason, we love leaving gigantic gaps between the edges of the door, the floor, and the ceiling. Why? There are a few reasons: It's easier to mop under the stalls this way, and less privacy means it's harder for folks to get away with doing sketchy things in the stalls. But either way, a lot of people don't like it.

"I once cried during a layover in the US because I needed to empty my menstrual cup after 12+ hours of traveling, and you could literally just see into every stall. Plus I need to squat down to do it, and the doors ended at my knees. A random lady saw me panicking and when I said the stalls weren't private enough, she said "awwwwe, are you European?"

5. So. many. commercials.

"I had a British friend ask why were there so many commercials during an episode of Family Guy," one user wrote.

"And the content of those commercials. Apparently it's only American doctors who need their patients to ask about some amazing new medication that has crazy side effects," another added.

6. We get healthcare through our jobs

It always struck me as funny that a country that supposedly loves entrepreneurs and small business owners makes it so incredibly dangerous to leave your job for any reason. It's even more shocking to people from, well, almost any other developed country.

"This job pays like shit and I hate it, but if I quit my essential medication won't be covered until I get hired somewhere else, so I can't risk it!" one user joked.

7. Worrying about the cost of the doctor

At least a quarter of adults regularly skip necessary medical care because they're worried about how much it costs. Visitors from abroad are utterly horrified by the thought of having to consider whether potentially life-saving procedures fit the budget.

8. Cashiers don't sit down

 america, usa, american culture, europe, culture, americans, europeans, americans abroad, tourists, immigrants Cashiers in America stand all shift long.  Photo by Nathan Dumlao on Unsplash  

People who work the cash register generally sit down in most parts of the world, including Europe. It's more comfortable and ergonomic, and in fact there's something called Right to Sit that guarantees this benefit.

In America, cashiers are often forbidden from sitting down while working, which comes as a big surprise to foreigners.

9. HOAs

HOAs exist in some parts of the world, but they are particular intense in America. It can be a bucket of cold water for people who move here from abroad.

"A client of mine had a sick husband. He unfortunately passed away. She leaves her garbage cans out during this time and begins to get fined by the HOA everyday her cans are left out, and letters posted on her door," one user shared.

10. School children reciting the Pledge of Allegiance

 america, usa, american culture, europe, culture, americans, europeans, americans abroad, tourists, immigrants America loves the Pledge of Allegiance.  Photo by Townsend Walton on Unsplash  

Some countries around the world have their own version of the Pledge of Allegiance. What's extremely rare is a democracy forcing children to recite their loyalty every morning and even face punishment if they refuse.

"Did a student exchange [in the US] when I was 17 and got detention on my first day for not saying it. I didn’t know it, but even if I did… It’s not my country! Tried so hard to politely explain that to the teacher and they wouldn’t have a bar of it," one commenter shared.

11. Our obsession with grass lawns

The love, nay, obsession, with lawns found in the America suburbs is not a global phenomenon. A lot of foreigners find it to be extremely strange, and a little disturbing. But there is a bright side:

"As a married, middle aged man with 3 kids, ill let everyone in on a little secret: Its the only time we get to ourselves... It also is really satisfying. But the actual reason behind why it became a thing is rooted in the classwar and racism like everything else in this country," one user wrote.

12. Declawing cats

Optional or cosmetic surgeries on pets are pretty unique to America, all things considered:

"Docking tails, and clipping ears, and dew claw removal on dogs, too! Our miniature pinscher has had all three done to her by her previous owner, and it's just so needlessly cruel. She didn't need any of those surgeries," someone wrote.

13. Wearing shoes in the house

Shoes in the house is not uniquely American, but it's more common here than most other places around the world.

"This is insane and nasty. The city I live in unfortunately has a lot of shit — and I don’t mean from dogs — on the ground. Wearing shoes in the house is disgusting," someone wrote.

Personally, I love wearing shoes in the house—otherwise I'd constantly be stubbing my toes!

14. Circumcision

Again, a few other places around the world perform circumcisions, usually for religious reasons, but America is unique in the way it has become the default choice for almost every boy regardless of religion or background. Europeans, in particular, find this practice extremely strange.

"So glad I didn’t do this to my son. My fiancée’s family gave me serious backlash for choosing not to because all of the boys on her side of the family are circumcised. I simply told them that I am not a barbarian and I don’t care what they think," one user wrote.

15. Sugar in weird places

 america, usa, american culture, europe, culture, americans, europeans, americans abroad, tourists, immigrants America loves extra sugar in savory foods.  Photo by Immo Wegmann on Unsplash  

A lot of food items on American shelves include tons of added sugar and high fructose corn syrup. You expect to see it in soda, candy, and desserts. But bread? Pasta sauce? Why is there so much sugar in everything?

Sugars are used regularly in America to enhance flavor and work as a preservative, whereas the practices aren't as common in many other countries.

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Economics expert pinpoints the exact moment in 2012 when 'America went to hell'

Geography was more important than we thought.

via Canva/Photos

An angry man in front of the American flag.

America has never been a perfect place, but since the Civil War, it has been one where most people bought into the idea of the country and supported the institutions that keep it running. People may disagree on politics and culture, but when America was threatened, whether it was 9/11 or World War II, people came together to fight for the country they love, even though the reasons may have differed.

However, it’d be naive to say that sentiment is still as strong as it once was. Since The Great Recession, many people have felt that the vibes are off in America, and polls and research back those feelings. Right around 2012, when smartphones became ubiquitous, there was a considerable rise in the number of people who felt that America was on the wrong track and that racism and sexism were considerably worse than they were just a year before. There was also a big spike in mental illness.

So what happened in 2012? Did the world suddenly become drastically worse overnight, or had our perceptions been changed?

 woman, dispair, smartphone, bad news, woman in kitchen, upset woman A woman is upset looking at her smartphone.via Canva/Photos

Why does it feel like America is on the decline?

Other developed countries have experienced similar vibe shifts since 2012, but it has hit America the hardest. Economics blogger Noah Smith explains why this feeling of malaise has hit America so hard, and he illustrates it perfectly in a viral Substack piece called “Social media destroyed one of America's key advantages.” Smith is an American blogger and commentator on economics and current events and former assistant professor of behavioral finance at Stony Brook University.

In his Substack post, Smith postulates that the technological change hit America the hardest because it punctured our geographical buffers. “A hippie in Oakland and a redneck in the suburbs of Houston both fundamentally felt that they were part of the same unified nation; that nation looked very different to people in each place,” Smith writes. “Californians thought America was California, and Texans thought America was Texas, and this generally allowed America to function.”

 

Why did America fundamentally change in 2012?

Here’s an excerpt from Smith’s piece. Please check out the entire piece on the Noahpinion Substack.

Like some kind of forcible hive mind out of science fiction, social media suddenly threw every American in one small room with every other American. Decades of hard work spent running away from each other and creating our ideologically fragmented patchwork of geographies went up in smoke overnight, as geography suddenly ceased to mediate the everyday discussion of politics and culture.

The sudden collapse of geographic sorting in political discussion threw all Americans in the same room with each other — and like the characters in Sartre’s No Exit, they discovered that “Hell is other people.” Conservatives suddenly discovered that a lot of Americans despise Christianity or resent White people over the legacy of discrimination. Liberals suddenly remembered that a lot of their countrymen frown on their lifestyles. Every progressive college kid got to see every piece of right-wing fake news that their grandparents were sharing on Facebook (whereas before, these would have been quietly confined to chain emails). Every conservative in a small town got to see Twitter activists denouncing White people. And so on.


 protests, american protest, protest sign, demonstration, mass gathering A group of people protesting in the street.via Ted Eytan/Flickr

It may sound cynical to believe that America was a better place when people were less likely to talk to people with a different worldview. But, given how things have gone in the past 15 years, it’s fair to say that putting every American in a proverbial ring to fight it out just makes everyone feel under attack... and the fight never ends.

The problem with the Like button

Another development around the same time that many believe negatively affected the country was the development of the Like button on Facebook. The button made its debut in 2009, and it, along with the share button, which came in 2010, incentivized people to create content that their audience agreed with, creating echo chambers. The buttons also incentivized people to make outrage-provoking posts and create fake stories to go viral and increase advertising revenue.

 maga, trump supporters, trump flags, trump rally, american flags Trump supporters at a rally.via Elvert Barnes/Flickr

The positive takeaway from Smith’s geographical sorting theory is that, quite possibly, many people’s perceptions about life in Amerca are wrong because we’re seeing it through the distorted, funhouse mirror of social media that shows us every bad deed in a country of 330 million people and amplifies the voices of the unscroupulous. By pinpointing the moment that America “went to hell,” as author Jonathan Haidt says, we also have a roadmap to get back to when people had greater faith in America’s institutions and people.

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Americans share 15 of the coolest things they've seen overseas that they want here. Like, now.

"Taxes filed FOR YOU, and the return just appearing in your bank account."

via Canva/Photos

A train conductor, a bidet, and fries with gravy.

America is the wealthiest country in the world, but it still lacks a few things compared to other countries. Why can’t America have a high-speed rail, a healthcare system that won’t bankrupt you, or super cool toilets like they do in other parts of the world? Why are we still tipping on every meal, and why can't you find a decent meat pie anywhere?

The great American experiment has done pretty well for the past 248 years, but we still have some blind spots. It would be cool if a brave politician could one day make America truly great by poaching all the best ideas from around the world and creating the perfect country.


A Redditor recently asked people on the AskReddit subforum, “What's one interesting thing you saw in another country that made you think, 'How does my country not have this?" The responses are a great starting point for this hypothetical leader to begin making the improvements we’ve all been dying for. Bidets? Yes, we can! French fries with gravy? Yes, we can! Beer at Burger King? Yes, we can!

We compiled a list of the 15 most interesting things they have in countries that should be implemented in America, like yesterday.

15 cool things they have in other countries that we need in America

1. Cashiers can sit down

"I was an exchange student in Germany during my Junior year in high school. Right before I left, I had a job as a cashier at a grocery store. When I first went shopping in Germany, I thought, 'THEY GET TO SIT?! WHY COULDN'T I DO THAT?!' The only place that does this in the U.S. now is Aldi, which of course is a German company."

"Corporations: 'It's a slippery slope. If we let cashiers sit, what's next? The federal government will make a law that says that pregnant women get time off, and we have to give them money? Fathers get paid time off, too? We let people stay home if they're sick, without a doctor's note? Employees get more than 2 weeks of vacation per year? We have to pay people enough to afford both food AND housing? Where does it end?!'"

2. On-time public transport

"I travelled everywhere in Japan by public transport. My Japanese was terrible, but I could get everywhere with Google Maps because of the utter reliability of the services. I turned up at the station or bus stop and caught the transport that presented itself. The train, which was 5 minutes early, was not my train. The one that was on time on the right platform was the one I needed to catch."

japan subway, japan, japanese train, public transport, transportA subway conductor in Japan. via Canva/Photos

3. Fit-levers on faucets

"I saw something similar in Mexico City, only it was a foot pedal to activate/flush a public toilet. This operation seems so much more sanitary than using a handle to flush a toilet."

"You want two peddles: 1) to lower the seat (it should automatically lift back up unless it has a lid which auto-closes); 2) flush."

4. Coupon crushers

"In 1997, I was in Singapore and saw these things that looked like vending machines. It was a machine that you would take your empty pop can, and put it in this compartment, lift a handle to crush the can. It would then drop down into the machine. Then the machine printed out coupons for businesses in the area. I thought it was genius! I've never seen it anywhere else."

5. Bidets

"More Bidets, pls. My anus can only take so much tp."

"Honestly, every person who has tried it has understood why I love them so much. It’s uncomfortable at first because it’s different, but it really does leave you feeling much cleaner."


bidet, toilet, faucet, clean, bathroom, tileA common bidet.via Canva/Photos

6. Private public restroom stalls

"Public restroom stalls without the stupid gaps in between the doors, and smaller to zero gaps on the bottoms of the doors."

7. Server buttons

"In South Korea, there were buttons on the tables to signal you were ready to order, pay, whatever. It meant no pushy or hovering waitstaff and they were able to chill and relax a bit when no one needed their help."

"In Korea, they have a 'bing-bong' button on your table on a restaurant. If you need something, you press the button, your table number shows up on a screen by the server station, and they come over to your table. Usually, I just hold up my empty bottle or side dish and make eye contact from across the room, and they smile and bring me another one. Otherwise, the servers don't come by and bother you during the meal. It's so so so much better this way."

"We have this at Korean BBQ restaurants in Los Angeles."

8. French fries with gravy

"In Canada, you can get French fries with cheese and gravy."

"We have this in the US. If you're in the Jersey/New York area they're called Disco Fries."

disco fries, poutine, French fries, gravy, cheeseSome delicious putin. via Canva/Photos

9. Free healthcare

"Basically, your medical bills are paid for by your taxes, so when you go into the hospital, the only thing that ends up costing money is the parking. The drawback can be that there is a waitlist for some surgery (except when it's urgently needed to keep you alive), at this time, medical insurance can pay for it, but it's still not as expensive as in America. Also, depending on the country, your medication is also a fraction of the actual cost. For example, in America a box of medication I have to take would cost me about US$600 a month, here in Australia that same medication only costs me about US $15"

"Socialized medicine is only as good as the people implementing it. If it isn't working properly, that isn't really the concepts fault. It's the people running it."

10. Traffic light countdowns

"In Germany, the traffic lights go from green to yellow to red like they do everywhere else, but after red, they light up red + yellow together before green. That way people have a head start getting ready to hit the gas and by the time it’s green you’re immediately moving forward. Bothers me more than it should when it just goes from red to green in other countries."

11. The government does the taxes

"Taxes filed FOR YOU, and the return just appearing in your bank account."

12. Beer vending machines

"Beer at Burger King" (One-upper!)

vending machine, snack machine, snacks, food, vending, A man using a vending machine.via Canva/Photos

13. Attached caps

"This one's less exciting than a lot of others, but I bought a bottle of Coke in London, and when I opened it, I realized there was a little piece of plastic that held the lid to the neck of the bottle, so you don't have to hold it. I can't believe we don't do that in the US. It's such a tiny little thing, but it feels like a no brainer when you think about it."

"That is due to a new law (an EU law, but a lot of brands have done it for their UK products too). Bottle caps have to be attached to the bottle to prevent them from being littered and to help ensure that they are also recycled along with the bottle."

14. Meat pies

"America, they are just not as big a thing here as they are in other countries. I loved them in New Zealand, in fact, when I was there, they had a fast food joint called Georgie Pie that was absolutely fantastic, also bakeries everywhere, where you could get them too."

15. Clean public toilets

"Clean, modern public toilets. I've been to Japan a few times, and those public toilets are amazing. I need to go back to try the one-way glass wall ones. (On a side note, having been to some Japanese music festivals, it seems that they have no problem setting up mens bathrooms in a way that the women line up looking directly into the men's bathroom. Very odd.)

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