It’s pretty clear that the middle class needs a practical, hands-on financial education where they learn to take control of their own finances and become debt free, money and investment smart. The problem though is that our schools don’t teach it.  The countless “money and investment” books only inform or at best, present a do it yourself program or some great ideas but leave one to decide how to implement it and figure out the necessary priorities.  Peoples’ jobs definitely don’t teach it because if employees knew what their employers know, then the employees wouldn’t need them anymore.  Lastly, going to Wall Street and traditional financial planners for sound, conflict free financial education and advice obviously doesn’t work either as the fourth quarter 2008 so readily proves.  To begin your ‘Master’s Degree’ in Financial Education visit the Ultimate Wealth Formula!