Imagine: you give a teenager access to car keys when they have never driven a car or taken Driver’s Education.  You simply tell them to drive carefully and you hope for the best. That would be setting them up for failure, and yet, we do this every day with personal finance. The stakes might not…

  Our son considered his course options for next year. His dilemma was how to meet the visual arts requirement; art classes interest him like watching paint peel. We suggested a digital photography class. “I hear it’s a lot of work!” he said, “It’s not easy, you have to know about camera settings – you…