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As the Personal Finance Education Group (Pfeg) points out, the good habits of young children do not last long. Over 75% of seven- to 11-year-olds are savers but by the time they get to 17, over half of them are in debt to family and friends. By this age, 26% see a credit card or overdraft(͸֧) as a way of extending their spending power. Pfeg predicts that these young people will ¡°find it much harder to avoid the serious unexpected dangers that have befallen many of their parents\' generation unless they receive good quality financial education while at school.¡±
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At school the children are taught to add up and subtract(¼õ·¨) but, extraordinarily, are not routinely shown how to open a bank account let alone how to manage their finances in an increasingly complex and demanding world.
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