You focus on banking, I’m talking about budgets. Do you track every cent in and out and have a quarterly updated forecast of your financial position a decade out? How close are you to that? If your answer doesn’t include a spreadsheet of some sort you’re not budgeting but taking a shortcut on faith your intuitions are correct.

Did you get taught how credit applications work, how banks determine credit worthiness, how to depreciate an asset, how to calculate lifetime cost of a vehicle, how to draft a bill of materials for a project? All things everyone should be able to do. It’s the lack of these skills and the cost of living crisis that creates ripe markets of ignorant people to exploit for profit through their financial mistakes.

Your school offers home ec? Mine dropped it forever ago. Only the trade school kids learned anything more hands on AP chem.

Cars are more reliable sure, but less maintainable in a home garage. I didn’t bring them up because the best argument I have for cars is repealing cafe and taxing cars annually with a multiplier for wheelbase squared x miles.