This essay first appeared in my newsletter. Sign up here if interested in F’ing up the status quo and fixing education. Teaching kids financial literacy without real money is like teaching swimming with PowerPoint slides. And we all know how that ends. We’re making the same mistake with money that we once made with abstinence-only sex education: pretending that pure knowledge will triumph over emotion, peer pressure, and real-world temptations. Spoiler alert: it won’t. But there’s an even more f...