Financial education is something that is not usually taught naturally, some are lucky that parents have knowledge about finance and understand early on how to use math to their advantage. But it is usually necessary to work habits that make people consumer and not savers. the math of wealth is very simple, spend less than you earn. invest your money better and earn more. But it is normal for people to think that they should invest what is left, the point is that first one must invest and then live with what is left.