My challenge is gettings students to engage, be motivated, and relate to learning financial literacy skills in a deeply meaningful and authentic way. Students struggle to see why these skills are relevant at their age, and an unmotivated student does not engage in deeper learning of 21st century skills. Many school districts around the world have implemented structured financial literacy programs since the 1950s, but they are failing to create meaningful change in students, with financial literacy competency remaining essentially stagnant since 1950 in Canada and the USA. This especially holds true for students from marginalized populations and low income households. Our world needs quality, engaging financial literacy education in order to break cycles of poverty, and to have students to improve their quality of life in all aspects.