I have often thought that the people who need lessons in retirement or college financial planning are the least likely to get them.
They should offer classes in public schools for parents of kindergarteners or early elementary school students. And then again at the beginning of middle school.
Many middle class and working class families just never get the chance to learn the best ways to save for college and retirement until it is too late. The people on CC are very savvy but the people I know in real life are clueless about all of this, even if they are being responsible and saving for the future. Then they go to a college financial night and learn that they can get a parent plus loan. It’s actually sad.