We should absolutely be dedicating time to personal finance while kids are in school. I especially think a personal finance class would be much more useful as a junior or senior math requirement than stats, trig, or calc in under-served communities where financial skills would be most valuable. Yes, maybe it doesn't make sense to be begin committing serious time to any topics more complicated than saving and spending management until kids are old enough to get jobs. But to argue the topic is too boring for kids to pay attention is pretty lame considering many of my peers in highschool were pretty disinterested in the whole thing to begin with. At the very least, a reintroduction of the topics every year or so would provide kids with some recognition of the topics and a more structured curriculum requiring students to track (preferably) real expenses and create budgets would probably go a long way.