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It was with great interest that I read Laura Enock’s op-ed regarding our country not needing financial education–only financial responsibility. Not only was your piece misguided and the tone condescending, it is also offensive to anyone who teaches financial education or has ever had a financial problem. In my 11 years of teaching and counseling thousands of families and individuals, I have met many hard-working, well-intentioned, responsible, intelligent families with financial problems. The vast majority of them want to live up to their financial responsibilities; they just need some help knowing exactly how to do that.

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