Financial concepts and solutions may not be the most exciting subject. It's possible that we don't know what we don't know. Even though we are flooded with financial news, channels, and websites, financial literacy is as murky as ever. We need to change, and the task won't be easy. But we need understanding first. The old days of passive dependence have to end. A new era of proactivism and financial freedom must begin. The good news is with discipline and patience, you can learn and understand the financial fundamentals.