never knows best...

dry as toast

...
Second, the transformation has led to a stark financial polarization. On the one hand, there is what the report calls the investor class. It has tax-deferred savings plans, as well as an army of financial advisers. On the other hand, there is the lottery class, people with little access to 401(k)’s or financial planning but plenty of access to payday lenders, credit cards and lottery agents.

from NY Times "The Great Seduction"

I'm not really sure about his solutions to the problem, but it is a gap that I do believe exist and it is a gap that is definitely more pertinent than the "digital divide."

Though thinking about finacial education makes me think about something I read/heard where reformed drug dealers are good managers because they know how to manage a budget.