 Financial literacy in America is almost non-existent. It's typically not taught in schools, the media, at work, or in the home. I'm Ference, host of the Your Personal Bank Show. If you would like me to speak to your investing group or an organization with a financial focus, please contact me at 866-268-4422 or yourpersonalbank.com. My goal is to increase financial literacy and enhance your financial future. Again, it's 866-268-4422 or yourpersonalbank.com.