People are financially illiterate. It’s sad to talk to kids and parents about their financial future because many people are struggling to just get by. I can honestly say I did not hear about the MY-RA program and don’t know anything about it other than information provided in the article. I think a program such as this could help those who have had trouble figuring out their future financial needs. I am a little skeptical because I’m a firm believer in managing your own money, but I understand many don’t have the ability or drive to do so.