I feel like much of the financial education advice put out there says it’s geared to everyone and how to create wealth, but I don’t find that to be the case most of the time at all. Much of it considers the family with a fair bit of income to spare, which as we know, leaves a significant portion of the population to fend for themselves.

Here’s why I say that. I don’t know about you, but every time I sit down with a financial advisor, the insouciant mention of an investment or savings plan for different things that casually involves an additional J$50,000 per month in disposable income to protect the family always throws me for a loop.