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Featured Article

May 20, 2015

Only 6% of those who learned about Financial Literacy improved! (So what do we do about that?)


The slide that Marvin used in the Family FQ Workshop and the CFA Phil. Retail Investors Conference

Only 6% of those who learned about Financial Literacy improved! Very alarming! Even depressing for practitioners in the field of Personal Finance. Didn’t we always say that Financial Literacy is the key to Financial Freedom?

 

That was the slide that Marvin flashed on May 9 during our Family FQ Workshop by the Faustos before 500 participants, then again on May 16 during the CFA Philippine Retail Investors Conference before 1,500 participants.

 

It was tweeted and re-tweeted and posted and re-posted on Instagram. Our friend and finance coach Randell Tiongson readily sent us a text message, “Is this true?”

 

Background:

In preparation for our Family FQ Workshop, we brushed up and updated our 2013 workshop. My son Enrique, who was tasked to discuss a bit on Behavioral Economics (of course in a manner that’s not intimidating but light and fun), found an interesting material from my favorite Behavioral Economist Dan Ariely: At best, only a negligible 6% of those who go through financial literacy programs improve their financial behavior. (See link below)

 

Dan was referring to the 2014 meta-analysis (Financial Literacy, Financial Education and Downstream Financial Behaviors) that compiled more than 200 studies of financial education programs. (See link to the study below) He said that the conclusion was that financial education has a negligible impact on subsequent financial decisions and behavior. Most people who take a financial literacy class forget what they learned within 20 months.

 

Marvin’s slide garnered some unhappy reactions because it's quite disheartening to accept this, especially to those who volunteer their time and effort, who have devoted their life, and even those whose source of income is financial literacy.

 

But it’s true!

Personally, I was not surprised at all and that’s why when Enrique showed us this information, we agreed that Marvin should include it in his presentation. We hate to “burst everyone’s bubble” but the truth is financial education is not enough! Don’t we all know that we have to eat well and exercise regularly in order to be healthy? But do we? We all know that the laws of money are simple but do we observe them?

 

It would probably be easier to do all the right things if we lived in an ideal world. However, we don’t and we are faced with the following challenges all the time:

1. It’s not in our nature to always save and invest, or eat right and exercise.

2. We are exposed to temptations.

3. We are not always rational in our decision-making.

 

We tried to address the above challenges in our workshop. We refused to just take that measly 6% sitting down.

 

What to do? Life Hacks, Sharing, Going beyond your family

We shared what we know, what worked, what didn’t.

1First of all, financial literacy is still important. We don’t negate this. In my experience of over two decades of parenting, understanding the logic and knowing the compelling reasons behind any rule we set at home while the children were growing up, made it easier for us to make sure that they will abide by our rules even when no one was looking. Of course, it took more effort explaining, allowing the boys to argue, but in the end, it saved us a lot of time and tears because they knew what those rules were for. The same is true in financial matters.

 

2. Start them young. In our case, we started their financial literacy journey when they were born as we opened their individual bank accounts, no comingling of funds from the very start. This also made it easier for us to teach them about saving and investing because we had their very own growing funds to show when they started asking. The bonus is that challenge no. 1 above (not in our nature to do so) is somewhat mitigated. Since we introduced the formula Allowance less Savings = What You Can Spend (our version of Pay yourself first as early as Grade 1), they somehow find it natural to always set aside at least 20% of any cash they receive.

 

3. Simplify and make it fun! I’ve written about this and it continues to be my battle cry: Finance should not be boring and/or intimidating. Finance is Fun! This is how we carried out the workshop and the feedback was overwhelming. A lot of participants said that listening to our young sons talk about saving and investing in simple terms (small account, big account, etc.) and adding the things that they love like dancing was refreshing and encouraging because they realize that if these kids can do it, so should everyone else.

 

4. Don’t count on yourself to always make rational decisions all the time, so once you’ve made that decision, automate it! This is a very important “life hack” when it comes to saving and investing. Decide once, then let it run its course. This is why I love the power of automatic saving and investing, taken out of the payroll account; it somehow makes it almost at par with taxes when it comes to priority of payment. Believe me, when it’s not like this, it’s hard to do it “religiously.” Don’t we always say, “The mind is willing but the body is weak?” You will always have reasons like extra expenses, no time to go to the bank, etc.

 

5. Involve the family. Any value system is best observed when done as a family. Moreover, since we believe that any talk on money should be aligned with our core values and who better to do this with than your family? It wasn’t easy coming up with a financial literacy workshop that would work for a very wide age bracket – 4 to 64 maybe? But our family thought it best to bring all the members together, to make it a bonding activity. Isn’t it always better to discuss the lessons, highlights and insights of a movie or book with someone who has also watched or read it? It is never the same as when someone is re-telling you what happened. And so we faced the challenge of appealing to a wide age bracket. We wanted the parents to learn from the workshop that giving a small amount in allowance and cutting their financial umbilical cord once they graduate will work well for their kids in the long run and we wanted the kids to not hate their parents for doing so. We wanted both parents and kids to know that building self-confidence is the best antidote to peer pressure of always having the latest gadgets.

 

6. Go beyond your family. Exercise Libertarian Paternalism. Because of the fact that human beings don’t always act according to their best interest, there is a need for those in power to do some nudging. We have to make use of the power of choice architecture in order to help improve the lives of the people within our circle of influence. I was happy to have employers and organizations like Divina Law, FMAP, GSN+i Design Studio, FAME and HSBC buy bulk tickets so their employees/members could attend the workshop. Fortunately, you don’t have to be a taipan or government official (but I do hope they do) to use choice architecture. In our own way, I incorporate in our household helpers compensation a “nudged saving and investing feature” such that a portion of their salary automatically goes to their Emergency Fund and Retirement Fund. I long for the day when all employers would have this default feature in their compensation once they sign up their employees. I also made a “nudged investment feature” in a long-term personal loan I extended to a loved one. I requested for an additional P1,000 in the monthly amortization and this amount does not go to me but to an Easy Investment Plan I opened for her, which is regularly invested in Equity UITF. I’m happy to check that it has yielded quite a sum since three years ago. This is what we call Libertarian Paternalism  - nudging people to the right direction. I’m sure you can find a way to apply this in your own circle of influence.

 

And so, to all the workshop and conference participants and all those disheartened by the negligible 6% improvement, be happy to know this and take charge. Don’t be the frog in Marvin’s tale that just decided to take a leap, take that action and automate it, before your irrational moments take over.

Let this also be a call to everyone to exercise Libertarian Paternalism in our respective circles of influence. I read somewhere that the head of South Korea gave all his cabinet members a copy of Nudge written by Richard Thaler and Cass Sunstein, a book on Behavioral Economics that discusses ways of incorporating choice architecture in different ways. I hope we start incorporating this in our employment contracts, loans, bonuses, profit and other compensation schemes, even in the way we arrange food in canteens, etc. At a glance, it might seem like infringing on free will, but for options where the right choice is obvious, then maybe we even owe it to the people in our circle of influence to nudge them to make the right decision.

 

*****************

Here are the links:

 

  1. To read the article and watch the video that Enrique found in preparing for our Family FQ Workshop please click this link: http://www.forbes.com/sites/steveschaefer/2014/01/27/duke-university-economist-dan-ariely-on-why-spending-is-so-much-easier-than-saving/
  2. To read the meta-analysis being referred to in no. 1, you may want to unleash the nerd in you, download and read this long study, click this link: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2333898
  3. Libertarian Paternalism was coined by Richard Thaler and Cass Sunstein. Read their book Nudge: Improving Decisions about Health, Wealth and Happiness. http://www.amazon.com/Nudge-Improving-Decisions-Health-Happiness/dp/014311526X

 

Rose Fres Fausto is the author of bestselling books Raising Pinoy Boys and The Retelling of The Richest Man in Babylon. Her new book is the Filipino version of the latter entitled Ang Muling Pagsasalaysay ng Ang Pinakamayamang Tao sa Babilonya. Click this link to read samples of the books. Books of FQ Mom Rose Fres Fausto.

Photo Attribution: The slide that stirred some emotions was presented by Marvin during the Family FQ Workshop and the CFA Philippine Retail Investors Conference.

This article is also published in FQMom.com and PhilStar.com. 

...

View Full Article
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The slide that Marvin used in the Family FQ Workshop and the CFA Phil. Retail Investors Conference

Only 6% of those who learned about Financial Literacy improved! Very alarming! Even depressing for practitioners in the field of Personal Finance. Didn’t we always say that Financial Literacy is the key to Financial Freedom?

 

That was the slide that Marvin flashed on May 9 during our Family FQ Workshop by the Faustos before 500 participants, then again on May 16 during the CFA Philippine Retail Investors Conference before 1,500 participants.

 

It was tweeted and re-tweeted and posted and re-posted on Instagram. Our friend and finance coach Randell Tiongson readily sent us a text message, “Is this true?”

 

Background:

In preparation for our Family FQ Workshop, we brushed up and updated our 2013 workshop. My son Enrique, who was tasked to discuss a bit on Behavioral Economics (of course in a manner that’s not intimidating but light and fun), found an interesting material from my favorite Behavioral Economist Dan Ariely: At best, only a negligible 6% of those who go through financial literacy programs improve their financial behavior. (See link below)

 

Dan was referring to the 2014 meta-analysis (Financial Literacy, Financial Education and Downstream Financial Behaviors) that compiled more than 200 studies of financial education programs. (See link to the study below) He said that the conclusion was that financial education has a negligible impact on subsequent financial decisions and behavior. Most people who take a financial literacy class forget what they learned within 20 months.

 

Marvin’s slide garnered some unhappy reactions because it's quite disheartening to accept this, especially to those who volunteer their time and effort, who have devoted their life, and even those whose source of income is financial literacy.

 

But it’s true!

Personally, I was not surprised at all and that’s why when Enrique showed us this information, we agreed that Marvin should include it in his presentation. We hate to “burst everyone’s bubble” but the truth is financial education is not enough! Don’t we all know that we have to eat well and exercise regularly in order to be healthy? But do we? We all know that the laws of money are simple but do we observe them?

 

It would probably be easier to do all the right things if we lived in an ideal world. However, we don’t and we are faced with the following challenges all the time:

1. It’s not in our nature to always save and invest, or eat right and exercise.

2. We are exposed to temptations.

3. We are not always rational in our decision-making.

 

We tried to address the above challenges in our workshop. We refused to just take that measly 6% sitting down.

 

What to do? Life Hacks, Sharing, Going beyond your family

We shared what we know, what worked, what didn’t.

1First of all, financial literacy is still important. We don’t negate this. In my experience of over two decades of parenting, understanding the logic and knowing the compelling reasons behind any rule we set at home while the children were growing up, made it easier for us to make sure that they will abide by our rules even when no one was looking. Of course, it took more effort explaining, allowing the boys to argue, but in the end, it saved us a lot of time and tears because they knew what those rules were for. The same is true in financial matters.

 

2. Start them young. In our case, we started their financial literacy journey when they were born as we opened their individual bank accounts, no comingling of funds from the very start. This also made it easier for us to teach them about saving and investing because we had their very own growing funds to show when they started asking. The bonus is that challenge no. 1 above (not in our nature to do so) is somewhat mitigated. Since we introduced the formula Allowance less Savings = What You Can Spend (our version of Pay yourself first as early as Grade 1), they somehow find it natural to always set aside at least 20% of any cash they receive.

 

3. Simplify and make it fun! I’ve written about this and it continues to be my battle cry: Finance should not be boring and/or intimidating. Finance is Fun! This is how we carried out the workshop and the feedback was overwhelming. A lot of participants said that listening to our young sons talk about saving and investing in simple terms (small account, big account, etc.) and adding the things that they love like dancing was refreshing and encouraging because they realize that if these kids can do it, so should everyone else.

 

4. Don’t count on yourself to always make rational decisions all the time, so once you’ve made that decision, automate it! This is a very important “life hack” when it comes to saving and investing. Decide once, then let it run its course. This is why I love the power of automatic saving and investing, taken out of the payroll account; it somehow makes it almost at par with taxes when it comes to priority of payment. Believe me, when it’s not like this, it’s hard to do it “religiously.” Don’t we always say, “The mind is willing but the body is weak?” You will always have reasons like extra expenses, no time to go to the bank, etc.

 

5. Involve the family. Any value system is best observed when done as a family. Moreover, since we believe that any talk on money should be aligned with our core values and who better to do this with than your family? It wasn’t easy coming up with a financial literacy workshop that would work for a very wide age bracket – 4 to 64 maybe? But our family thought it best to bring all the members together, to make it a bonding activity. Isn’t it always better to discuss the lessons, highlights and insights of a movie or book with someone who has also watched or read it? It is never the same as when someone is re-telling you what happened. And so we faced the challenge of appealing to a wide age bracket. We wanted the parents to learn from the workshop that giving a small amount in allowance and cutting their financial umbilical cord once they graduate will work well for their kids in the long run and we wanted the kids to not hate their parents for doing so. We wanted both parents and kids to know that building self-confidence is the best antidote to peer pressure of always having the latest gadgets.

 

6. Go beyond your family. Exercise Libertarian Paternalism. Because of the fact that human beings don’t always act according to their best interest, there is a need for those in power to do some nudging. We have to make use of the power of choice architecture in order to help improve the lives of the people within our circle of influence. I was happy to have employers and organizations like Divina Law, FMAP, GSN+i Design Studio, FAME and HSBC buy bulk tickets so their employees/members could attend the workshop. Fortunately, you don’t have to be a taipan or government official (but I do hope they do) to use choice architecture. In our own way, I incorporate in our household helpers compensation a “nudged saving and investing feature” such that a portion of their salary automatically goes to their Emergency Fund and Retirement Fund. I long for the day when all employers would have this default feature in their compensation once they sign up their employees. I also made a “nudged investment feature” in a long-term personal loan I extended to a loved one. I requested for an additional P1,000 in the monthly amortization and this amount does not go to me but to an Easy Investment Plan I opened for her, which is regularly invested in Equity UITF. I’m happy to check that it has yielded quite a sum since three years ago. This is what we call Libertarian Paternalism  - nudging people to the right direction. I’m sure you can find a way to apply this in your own circle of influence.

 

And so, to all the workshop and conference participants and all those disheartened by the negligible 6% improvement, be happy to know this and take charge. Don’t be the frog in Marvin’s tale that just decided to take a leap, take that action and automate it, before your irrational moments take over.

Let this also be a call to everyone to exercise Libertarian Paternalism in our respective circles of influence. I read somewhere that the head of South Korea gave all his cabinet members a copy of Nudge written by Richard Thaler and Cass Sunstein, a book on Behavioral Economics that discusses ways of incorporating choice architecture in different ways. I hope we start incorporating this in our employment contracts, loans, bonuses, profit and other compensation schemes, even in the way we arrange food in canteens, etc. At a glance, it might seem like infringing on free will, but for options where the right choice is obvious, then maybe we even owe it to the people in our circle of influence to nudge them to make the right decision.

 

*****************

Here are the links:

 

  1. To read the article and watch the video that Enrique found in preparing for our Family FQ Workshop please click this link: http://www.forbes.com/sites/steveschaefer/2014/01/27/duke-university-economist-dan-ariely-on-why-spending-is-so-much-easier-than-saving/
  2. To read the meta-analysis being referred to in no. 1, you may want to unleash the nerd in you, download and read this long study, click this link: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2333898
  3. Libertarian Paternalism was coined by Richard Thaler and Cass Sunstein. Read their book Nudge: Improving Decisions about Health, Wealth and Happiness. http://www.amazon.com/Nudge-Improving-Decisions-Health-Happiness/dp/014311526X

 

Rose Fres Fausto is the author of bestselling books Raising Pinoy Boys and The Retelling of The Richest Man in Babylon. Her new book is the Filipino version of the latter entitled Ang Muling Pagsasalaysay ng Ang Pinakamayamang Tao sa Babilonya. Click this link to read samples of the books. Books of FQ Mom Rose Fres Fausto.

Photo Attribution: The slide that stirred some emotions was presented by Marvin during the Family FQ Workshop and the CFA Philippine Retail Investors Conference.

This article is also published in FQMom.com and PhilStar.com. 

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YOUR QUESTIONS ANSWERED

To start a topic thread and ask the Raising Pinoy Boys community a question, please Sign Up.

By Rose / Her Boys | The Community (Topic Thread)

By Rose / Her Boys

To Ask Rose or Her Boys a question go to the Ask Question Page.

Guest Feb 02, 2015
Hi Ms. Rose, Were can i get the free download excel file to show kids how they can become millionaires with regular savings. Thanks

Answered by Rose last Feb 18, 2015 / 03:25pm:

Hi, it's on the right hand side under Chapter 6, go there and look for the link: http://www.raisingpinoyboys.com/book/chapter/NgRPBRPB/Q0hBUFRFUiA2IC0gTU9ORVkgTUFUVEVSUyAoT3VyIFNvbidzIEZRKQRPBRPB

Ghurl Vacaro Jul 18, 2013
Hi Ms. Rose, I read your articles in Philippine Star and I'm quite interested on your topics about financial literacy. I just turned 25 and currently working in Riyadh, I'd like to make my savings grow while I'm still young and single, can you give me advice on how or where is the wisest way to save or invest? Thanks a lot! God bless you!

Answered by Rose last Apr 23, 2014 / 02:41pm:

Hi Ghurl Vacaro. I hope you read my article that tackled your question. I'm happy to inform you that it received a lot of hits both in this website and PhilStar.com. It was also shared many times. This means that your question helped enlighten a lot of people. Here's the link: http://www.raisingpinoyboys.com/dashboard/showArticle/MTYy

Raymund Camat Nov 25, 2012
For the boys, will you also consider financial literacy as a quality that you will look for to your future gf/wife?

Answered by The Boys last Nov 30, 1999 / 12:00am:

It would be ideal if she were but it's not something we would really "require" so to speak because it's not very common. I guess as long as she's not too much of the "magastos" type because financial literacy is something that you could learn.

Guest Aug 30, 2011
Why the title "Raising Pinoy Boys?"? Its culture specific and middle class ideologue ..care to explain? thanks

Answered by Rose last Aug 31, 2011 / 09:33pm:

@Guest Aug 30, 2011. The title is Raising Pinoy Boys because it's a compilation of a mother raising her Pinoy sons. Yes it's culture specific and middle class because that's where I belong. In my over 2 decades of parenting I have always learned a lot from specific stories of book authors, parenting seminar speakers and even conversations with other parents and educators of boys. Thus, I thought it would be worthwhile to share my specific stories and those of the parents of the successful Pinoy men I featured in the book. Thank you very much for your question.

Guest Aug 10, 2011
Can we invite you to talk in our school during a parenting seminar?

Answered by Rose last Aug 10, 2011 / 09:19pm:

@Guest Aug 10, 2011 - Yes you may. I would be glad to. Just send me an email specifying your needs for the talk - the audience, the topic, etc. You may send your email to RaisingPinoyBoys@yahoo.com or through this website. Be sure to leave your name and email address. Thank you.

Guest May 15, 2011
du u know chris tiu?

Answered by Rose last May 27, 2011 / 11:39am:

I first heard of Chris Tiu when he became a UAAP basketball player of the Ateneo team. I learned about his other admirable traits later on and decided to include him in the book. Fortunately, his mom is a friend of my co-parent so I was able to interview her. He and his parents attended the book launch (see pics in a previous article on the book launch - Jan 2011).

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