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Diwa C. Guinigundo
In the last quarter of 2019, this column discussed in three parts the whys and wherefores of financial literacy. We were inspired by the earlier discussions during the first Asia Pacific Financial Education Institute organized by our friend Dave Fernandez, director of Singapore Management University’s Sim Kee Boon Institute for Financial Economics, where I serve as member of its Advisory Board.
The key takeaway from those discussions is that financial literacy is relevant in making economic growth more sustainable by addressing income inequality and poverty. Borrowing the analogy used by Annamaria Lusardi of Italy’s Financial Education Committee and George Washington University, financial literacy is the water in the ecosystem of the real economy and the financial system.
When I heard this I was impressed and moved.
For a lot of us, joining the SEALs was something like joining the French Foreign Legion: the expression of a thirst for adventure. As Dave Scott said, “I get to shoot guns and jump out of planes … and get
paid for it?” For me, it was more the allure of being part of such an elite group. My teen years hadn’t been easy, and I needed to prove to myself that I could do something of real worth. My decision to become a SEAL had not been driven by an especially strong sense of patriotism or, to be brutally truthful, even by the impulse to serve. For me, the SEALs offered the chance to be part of something great, something special, to reach a level of achievement that put me among the best of the best. And as aspirational as that was, I also had to admit it was all about