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" ... Financial literacy is not just paying your bills or choosing 401(k) options from a menu. It's comfort with money, being able to navigate choices, understanding the ramifications of your decisions and synthesizing risks, time constraints and the likelihood of unexpected life transitions. Financial literates know what they don't know and ask good questions. They recognize that money is a tool to achieve their values, not something that is a weapon, a totem or a means to exert power over others. ... "