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Last month, I had the privilege of presenting one of CPA Canada’s Financial Literacy sessions to a group of Grade 7 and 8 students at a local middle school. I had been advised by the teacher that this particular school’s catchment consisted of children with a varied background, although most came from blue-collar backgrounds, and many had parents who were new to Canada. As I explained first what a CPA was, and second what a CIRP was, it became apparent to me that the word “Debt” was not one that was covered in their English class, or even in math. After a quick discussion on the differences between mortgages, credit cards and payday loans, we launched into a Case Study exploring the choices made by a fictional student throughout her day. Presented with the problem of running late in the morning, the students dissected her subsequent financial choices, such as buying a lunch instead of packing one, and being enticed to visit the shopping mall on her way home, baited by flashy sale signs. As the students and provided suggestions for her to improve, one comment in particular stood out to me.  A quiet Grade 7 student cocked her head to the side, furrowed her brow and asked, “Isn’t $35 a LOT for a kid’s shirt?”. The class immediately provided feedback and the general consensus was that her observation was accurate. It was encouraging to watch kids discuss finances and budgets, just as if they were talking about science concepts or learning a new sport in gym. As I de-briefed with friends later in the day, many recognized that if Financial Literacy education had been available to them as kids, they may have avoided many of the tough financial lessons learned as adults. While schools obviously have a role to play, not unlike any other topic, if we wish to ensure the next generation has more than just a basic understanding, financial professionals such as CIRPs have an active role to play. The Government of Canada has designated November as Financial Literacy Month. As CIRPs, this is the perfect forum to collaborate with organizations such as the Financial Consumer Agency of Canada and others, to host, participate in events and share resources, helping Canadians learn how to manage their personal finances successfully. Not sure where to start? Check out the Canadian Financial Literacy Database (https://www.canada.ca/en/financial-consumer-agency/services/financial-literacy-database.html), the November Calendar of Events (found here) or search for #FLM2018 on your social media. In the alternative, check out the Financial Literacy Seminars available free of charge from CPA Canada (https://www.cpacanada.ca/en/the-cpa-profession/financial-literacy/financial-literacy-education), and collaborate with a local member to host a session in your community, a local school, or organization. The seminars are targeted not only at school children, but include sessions designed for New Canadians, Seniors, and Entrepreneurs. Stay tuned for more ways you can get involved with Financial Literacy Month throughout November.