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As appeared first in the Michigan Chronicle Numerous surveys show that many Americans live paycheck to paycheck, have little saved for retirement, and lack fundamental financial knowledge. Part of the problem, experts say, is that financial literacy has not been emphasized in American education; only 21 states require high school students to take a personal finance-related class. If parents want their children to learn the value of money and how to avoid financial problems as adults, the education has to start at home, says Steve Kruman, a financial planner