There is domestic and international consensus that financial education is needed across all stages of the life cycle (Lusardi & Mitchell, 2014; OECD, 2019; PACFC, 2013). Mandell and Klein (2007) warned that young adults score low on financial literacy tests even after taking a personal finance course. They claim that low scores on financial tests result from a lack of motivation to learn and a lack of motivation to retain and apply those financial skills previously learned.