Is it true or false that being "money smart" is very difficult and takes a lot of time to learn?

Being "money smart," or financially literate, is often viewed as an attainable skill rather than something that is inherently difficult or extremely time-consuming to master. Many fundamental concepts of personal finance, such as budgeting, saving, and understanding debt, can be learned relatively quickly with the right resources and dedication.

Personal finance education emphasizes the importance of practical knowledge and encourages individuals to start small, taking manageable steps toward financial literacy. By applying basic principles consistently, such as tracking expenses and setting financial goals, individuals can build their understanding over time in a straightforward manner.

The notion that being financially savvy is a complex or lengthy endeavor can discourage people from engaging with their finances. However, with motivation and access to resources—like those provided in Ramsey’s teachings—most individuals can grasp essential money concepts without excessive difficulty. Therefore, asserting that it is very difficult and takes a lot of time to learn is not accurate, aligning with the idea that anyone can become money smart with appropriate guidance and effort.