host: joining us is dan iannicola from financial literacy group of. guest: first, we find that our kids do not know that much about finances at all. that does not surprise us. other surveys have shown the same thing. things have really gotten a bad attitude, and maybe they got it during the crash, so they've have gone over from having a healthy skepticism to a truly bitter cynicism about the industry. they expect to be victimized. wheat belt that was intriguing. despite the cynicism, -- we found that intriguing. they are optimistic still about their futures. they do have trust that they will get a job if they got a college, if they go to college, that their future will be financially secure. host: 60% of credit-card companies entice people to take on more debt than they handle. students disagreed with a the following statement -- "the stock market is rigged to help out wealthy bankers." in're in one -- fewer than 1 5 bell banks were only interested in getting their money in hidden fees. guest: the concern for all of us, parents, teachers, and everyone