You might genuinely believe that the training for the personal finance initiatives is nothing more than a waste of government money. However experience shows us that there are plenty of people that would greatly benefit from some sort of financial training. These people come from all walks of life and they present an image of a society that needs to look after them. When you see a single parent that is in a total financial meltdown then it is time to consider training that parent in budgeting. It is not about patronizing the parent but giving them the skills that ...