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A noted researcher and consumer advocate discusses why so many financial literacy efforts don't improve outcomes and what they could do better.

United statesLeeds school of businessUnited kingdomLong viewPeter ubelChristine benzJohn lynchJeff ptakRichard cordrayMorningstar research servicesCentre for research on consumer financial decisionKatholieke universityTexas state universityUniversity of british columbiaUniversity of virginiaFinancial education group