Educated Person + Poor Financial Behaviour = Financial Disaster
Ordinary Person [with little education] + Good Financial Behaviour = Wealthy
According to Morgan Housel in his book The Psychology of Money, it is not what you know [about money] but how you behave with money determines your financial independence.
The problem is not the knowledge, the problem is the behaviour, the psychology.
We know what we need to do about money in order to gain financial independence, the challenge is doing it.
Knowing what to do is different from actually doing it.