Who taught you about money? How to spend it, keep it, manage it? Do you have a clear answer? If you're like most of us you didn't have a formal introduction to money. You came to know about it through trial and error you just sort of figured it out along the way.

Whether applying for a credit card, completing a rental application, pulling your FICO score, balancing your checkbook or planning for retirement most of us are functioning at an elementary level although based on our age and income we should be mastering more than the basics of personal finance.

A new initiative aimed at adults earning $35,000 to $100,000 per year is helping bridge the financial literacy education gap so that you can get answers to all the questions you need to ask but have been afraid to because somewhere along the way you figured you were just supposed to know the answer and wouldn’t want anyone to know that you didn't.

Take the guesswork out of your financial future. It's time to get smart about your money.