We are going back to the basics.

Gosh, this big word, "financial literacy", was what made me mad when I discovered years later that a loan I had taken, which had variable interest, had moved from 5% to11% in less than a year after I took the loan.I did not even know at the time that this was what happened, as I was not even financially literate. I should have called that bank then and probably done something about it. This was a big loan a very huge one I had taken to build my home. That change made me pay double the loan amount over many years.  7 Years later, when I became financially literate, I calculated how much I had paid on that loan, and I cried tears, literally.  The pain of discovering this after 7 years still pissed me off so badly.