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man vacuuming up money Some of the burden for repetition and reinforcement must fall on the private sector, particularly the financial industry itself. More firms need to make a commitment to integrate financial literacy in their client-services operations. (Photo: Shutterstock)

(Bloomberg Opinion) — Graduation season will soon be upon us, and with it, so many admonitions explaining why students are unprepared for the challenges of the real world. Graduation speeches will discuss the trillions in student-loan debt, why spendthrifts need to stop buying lattes and why we all need to save more money for retirement.

Someone will mention the miracle of compound interest, misattributing the quote to Albert Einstein, along with terrible advice about “following your passion” and lots of other well-intentioned but equally worthless platitudes.

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