<p>I think that calmom has had the better of the argument, though I wonder if I understand itstoomuch. I am not going to spend more time on it.</p>
<p>However, itstoomuch is very right that the present value of money is not taught enough, nor is the basic ins and out of consumer finance and investing. Instead there is an emphasis on pre-calc and caculus that is IMHO an academic subject that only 5% or less of working Americans have use for. (Don’t misunderstand me. As most highschool students don’t know if they might be in that 5%, go for it) Meanwhile 95% of Americans are screwed by their lack of understanding of basic consumer finance issues.</p>
<p>Among the non-college bound crownd, 0% use precalc, much less calc in their lives while again most are screwed by financial ignorance. </p>
<p>At times it seems like a conspiracy to keep Americans dumb.</p>