Ruizhou Li's profile
Educash – Financial Literacy
EDUCASH – Financial Education
Millennials are better educated than their predecessors, more ethnically 
diverse, and more economically active. Millennials confront greater 
difficulties — including economic uncertainty, student debt—than those 
who came before them. As a generation carrying new personal financial 
responsibility, it is critically important for Millennials to be on a path 
leading toward financial security. Yet, research indicated that only 24% 
of Millennials demonstrated basic financial knowledge, and majority 
were very unsatisfied with their current financial situation. With all 
things said, when facing such critical condition, only 27% of Millennials 
are seeking professional financial advise on saving and investment. Lack 
of financial knowledge may jeopardize millennials’ financial success. 
Therefore, manifestation of this event is to bring awareness to those 
younger millennials to make the same mistake is the second priority and 
more importantly to encourage school board to include financial literacy 
as part of the curriculum.
Steffenhagen, J. (2019). Canada’s education system is failing. Vancouver Sun. 

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Although Canada has had some educational success, it appears to be 
headed for a national knowledge disadvantage, the CCL report says. 
Unlike Canada, competitor countries have developed, or are in 
the process of developing, coordinated approaches to education 
and lifelong learning,” CCL president Paul Cappon states in a release.

The report acknowledges the successes of the Canadian education 
system, including the solid performance of students in international 
tests, declining drop-out rates and growing numbers of aboriginal 
students completing high school and continuing with post-secondary 
education. But says that despite those positives, “there are also signs 
of systemic weakness that, if left unchecked, will inhibit Canada’s 
capacity to grow and prosper. Indeed, Canada cannot claim to be
learning society until we have confronted the many learning 
paradoxes that undermine further progress.”
Steffenhagen, J. (2019). Canada’s education system is failing. Vancouver Sun. 
Millennials, the target group, growing and gradually becoming independent, 
they need to know that finance is a big part of life, lack in education, could 
result in a catastrophic bankrupt, loan, and sad elder life. Each Year, students 
spending an average of $4,321 to pay back credit cards, personal loans, and 
student debt over the course of their degree. As research indicates, millennials 
are historically under-payed and tend to purchase more expensive goods in 
the market. However, only 24% of the young millennial generations are 
considered well knowledgeable when it comes to financial literacy. For 
millennial, debt free is considered as a success. 

Situation is, the negative financial cycle occurring to millennials is not just 
about a over-spending lifestyle. Down to earth, it is about finding balance 
between a healthy lifestyle and saving. However, not many people can realize 
that is the small things that really matters in finances. Know how to make a 
healthy financial decision is the first step for people who want to break out of 
the pay-check to pay-check cycle. 

Curating a event for millennial generation, explain in-depth on the reasoning 
and consequences of financial illiteracy. Providing them a solution by expanding 
access to financial education with a forward-looking approach to financial 
literacy. Starting by school, education systems should provides an opportunity 
to shift future generations’ financial positions, giving them a solid base from 
which to make life’s important financial decisions. Millennial should start self 
evaluate their own financial standing, and learn more financial knowledge to 
gain a greater aspect on personal finance. 
After a in-depth research on how currently Canadian financial system 
is facing critical vulnerabilities, and how personal finance problem can 
reflect on personal and social aspects. We realize that financial literacy 
matter need to be communicated in a serious tone. We aim to bring 
awareness and attentions to people, and let them deeply contemplate 
over their own financial knowledge. Because, without an understanding 
of basic financial concepts, people are not well equipped to make 
decisions related to financial management. People who are financially 
literate have the ability to make informed financial choices regarding 
saving, investing, borrowing, and more.
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EDUCASH – Financial Literacy 

Instructed by Frederick Burbach
Designed by Ruizhou Li, Jenny Hwang & Greg Donnato

Educash – Financial Literacy

Educash – Financial Literacy

I aim to bring awareness and attentions to people, and let them deeply contemplate over their own financial knowledge. Because, without an unders Read More