Four essential financial skills that must be learned in life are: opening a bank account, building and maintaining credit, investing, and saving for retirement. The problem is that these essential four are rarely being taught alongside STEM and other subjects in schools as part of critical skills. But, this knowledge can pave the way for financial success and inclusion later in life. Some kids are exposed to the occasional special assembly revolving around subjects like how to save for college or why it’s not a good idea not to spend everything you earn from your first job. Yet widespread fina…