> Most states require financial literacy courses to graduate.

Prior to 2020 only 8 states required a standalone financial literacy class. So a good percentage of people from the US on here probably didn't have to.

There were also states that had it integrated with another course but I'd question if they were any good. My state was like that and all we did was a 2 week project where we pretended to trade stocks starting with $1k. Which didn't even include things like dividends, short vs long term capital gains tax, etc...

We weren't taught basic things like budgeting, planning for emergencies, how loans and interest work, how taxes work, how credit scores work and affect you, etc...