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When I was in high school, the closest thing we had to a personal finance course was home economics. While I don’t fully trust my memory, I can safely say that some aspects of what we now call personal finance were a part of that course – opening a bank account, balancing a checkbook, tracking […]

Seville, Spain, sometime in 2018, English conversation class for college students. The topic: money. “Credit score, credit bureaus… Oh boy, it’s tough to translate something that doesn’t exist in Spain. In fact, nearly all of Europe and most of the world do not use credit scores and don’t have centralized credit reporting agencies,” I told […]