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Kozup and Hogarth discuss the necessity of consumer warning labels on financial matters such as credit cards, mortgage, and mutual funds. They successfully make the analogy of indebtedness to obesity, and our financial state, like our health, can be helped by reading the labels on what they are consuming. The authors describe financial literacy partially as an ability to weigh the pros and cons of financial options available to them, as well as familiarity with the macroeconomic conditions of their environment. The authors also talk about third party financial intermediaries, and the role of policy in consumer saving. The authors offer a great variety of solutions to the problem of financial literacy, and the analogies make it very easy for the reader to understand and learn about the responsibility of financial literacy. Also, the rhetorical questioning involves the reader and implores them to form their own opinion.