virtual financial literacy program Source: Shutterstock.

Some things just don't work in a virtual format. Raise your hand if you've attended a virtual wine tasting or beer festival. Certain iterations of this idea have promise – those that, for example, offer up a selected style of beer while an expert shares tasting notes, and participants experience the style's defining characteristics through the expert's lens. Other attempts are less successful – those involving paying festival entrance fees, picking up an assortment of bottles and cans, and joining a Zoom call with random attendees while drinking alone in front of your screen. It lacks the je ne sais quois of a festival.

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