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In this article, Pickard and Reichelt discuss the alternative to Financial Literacy classes in high school, online courses for students and adults on personal finance. This study offers that online courses are very useful tool in gaining financial literacy. The article discusses the state of our financial literacy in the context of family finances. Pickard and Reichelt also give valuable statistics on financial literacy in regard to important demographics such as race and income level. The authors connect the issues with personal finance with the macroeconomic issues, which is very helpful for the reader.