How Rigor Empowers Academic Achievement

Maybe we do need another word besides “rigor”, but “challenging” and “rich” are weak alternatives.

Rigor in my teaching practice means conscientious excellence. For example, rigor requires students to differentiate solution from answer. Suppose the question is, “What are the best dimensions for a particular garden?” The student will algebraically calculate two perfectly legitimate solutions. One solution will show two negative numbers; the other will show two positive numbers. Students must choose the solution which answers the question. Since the question is about a garden, that would be the solution with the two positive numbers,because a garden cannot have negative measurements. A different question might require the negative solutions to be the answer.

Or perhaps the question is, How many cars do we need for the field trip. The solution might be 7.2, and it can be the correct solution, but the wrong answer. The correct answer is, "We need 8 cars." Mindless rounding also yields a correct solution,but a wrong answer. I require answers written in complete sentences that also include the unit. I would mark all three of these so-called answers wrong: "x=8", "8," and "We need 8."

I also require students to keep units attached to numbers when they calculate. So the area of a room is not 9X12, with the ft^2 attached later. When students show their work, I want to see 9 ft x 12 ft = 9 x 12 x ft x ft = 108 ft^2. Please do not dismiss my simple example as trivial. This sort of training, call it rigor if you like, pays off big when students must do chemistry or physics calculations with lots of units running around. My physics students learned that if the resulting unit is not what they expected, they probably also made a more serious mathematical error somewhere. That self check is lost when units are divorced from numbers and remarried at the end of the calculation.

In the earliest grades, rigor may imply making sure students understand the role of an equal sign, and knowing that the horizontal line separating a column of numbers from the result of a calculation is not a substitute equal sign. Many adults graduate from high without a proper appreciation of an equal sign.

Every field has similar examples of the value of conscientious excellence. Most people prefer the two syllables of “rigor” over the seven syllables of “conscientious excellence.” Just because three of the definitions seem negative and harsh does not invalidate the value of the fourth definition. Rigor, properly used, is not a blockade to academic achievement or educational accessibility, but its open door.

What Happened to the Geezer Teachers?

A self-identified geezer teacher asks what happened to all the other geezer teachers. Why is the modal experience one year, not the historical 14 years anymore?

Here is what happened. A lot of proven expert teachers move (for whatever reason) to a new district or a new state. Or maybe they move back to the US after a decade or two teaching overseas in our Department of Defense schools maintained on military bases for the children of military members. When they come back to America, they are "out-of-district" for every district in America. These expert geezers discover to their dismay that they are unemployable. Most schools choose a novice over an experienced teacher any day of the week. "It's the budget, doncha know."

If budgets were really the problem, schools would jump at the chance to get a geezer at a steep discount. Remember, most districts give only five-years credit for experience on the salary scale. A geezer with 25 years experience is willing to take a 20-year pay cut, but no dice. Schools reject expert teaching applicants every day while simultaneous complaining about looming teacher shortages, especially in math and science.

Those highly experienced education experts even have difficulty getting jobs training the next generation of teachers. Schools of education overwhelmingly prefer a newly-minted PhD over an expert geezer-teacher. Education students suspect their education professor have no substantial experience, and now with so many curricula vitae online, it is easy to confirm the validity of their suspicions.

Meanwhile, California wants to help laid-off teachers get new credentials in math and science. Problem is, like most teacher recruitment programs, it targets novice teachers. California schools could start by credentialing the out-of-state math and science teachers they already have. Fact is, a teaching credential will not help. It is only a third strike. The first strike is experience; the second is post-graduate education. Teachers with all three strikes are rejected with apologies. Teachers lacking only the credential do not even rate the apology. Districts airily dismiss them as unqualified even though they are probably more qualified than most teachers in the school.

States and schools could start by eschewing the check-box method of evaluating qualifications, and actually look at what the applicant brings top the table. A top teacher with a fat stellar portfolio should be able to walk into any state credentialing office and walk out with the credential. Instead, the evaluator will likely say something like, “We can't accept your NTE scores, or your scores from the other state's teacher competency tests. Our state has it own more rigorous standards.” (Arizona actually said that to me about my umpteen NTE and California tests, all with scores in the 90+ percentiles. The California credentialer had tears in his eyes when he told me that because of bureaucratic rules, a world-class teacher like me would never get a California credential).

Schools boards are waking up to discover that their schools are staffed with novices. There are few mid-career teachers because experienced teachers cannot get hired, and if they do manage to get hired, they are the first laid off again in the next budget panic (last in, first out), destroying resume continuity. The late-career teachers are retiring. A lot of those mid-career teachers love teaching and would love to secure a stable teaching position, but most of them have moved on. They can be found filing medical records, selling insurance, doing taxes, pouring coffee. Sad. Truly sad. In spite of all the noise, America appears to have the education system it wants.

Kindergarten Academics Is Not Academic Achievement...

...no matter what anyone says otherwise.

Robert Slavin, creator of the reading program Success For All, and before that, creator of the reading program CIRC (Cooperative Integrated Reading and Composition), says we know how to make sure every first grader can read.

Imagine that your job were to ensure the reading success of every child in a Title I school by the end of first grade, and you had flexible resources to do it. You'd make sure kids had language-rich preschool and kindergarten experiences,

So far so good, but then he blows it by endorsing the current fad of pushing first grade academics into kindergarten.

learned phonemic awareness and letter sounds in kindergarten, and were taught using proven kindergarten- and first-grade reading programs that emphasized systematic phonics, comprehension, fluency, and vocabulary.

Kindergarten is not the place for academics. Gesell Institute of Human Development Executive Director Marcy Guddemi agrees.

Guddemi said quality early education programs for ages 3 to third grade, the years defined as early education, are essential in providing proper experiences and exploration, rather than to learn more letters earlier.

The extra time in kindergarten spent on so-called academics has come at the expense of schema-building, the foundation for reading comprehension beyond mere decoding. Kindergartners should cut and paste. They should also visit a bakery, the newspaper, the fire station etc., etc. They should plant sunflowers and morning glories, raise butterflies, and experience a whole host of other activities. They should go on field trips every week. When it rains, they should play in the mud.

In Japan, kindergarten teachers are likely to take the kids out into a rain shower and let them model creeks merging into rivulets, and rivulets merging into rivers, flowing into a lake (puddle), as well as the powerful effects of water erosion. On a windy day, the kids will run around with makeshift plastic bag kites, learning how the wind inflates the bag. All these experiences and many more form the treasury of reading comprehension. Children create and refine schemata as they assimilate each new experience.

In other words, schema provides the context for comprehending what we read. Even adults who are excellent readers may decode perfectly but still perceive the result as gibberish if they lack the appropriate schema, as illustrated by the following little piece of actual prose.

The increased flexibility to adopt a divisional basis other than a territorial or field of use basis entails the need for provisions to prevent abuse and facilitate compliance. Capability fluctuations, whether market-driven or strategic, that materially alter the controlled participants’ RAB shares as compared with their respective divisional interests create the equivalent of a controlled transfer of interests and should therefore equally occasion arm’s length compensation. Accordingly, the temporary regulations modify the change of participation provision to classify such a material capability variation, in addition to a controlled transfer of interest, as a change in participation that requires arm’s length consideration by the controlled participant whose RAB share increases, to the controlled participant whose RAB share decreases, as the result of the capability variation.

Young children, more so than adults, need time to build schema. Pushing first grade into kindergarten is a quick and dirty route leading only to the facade of increased academic achievement.

As Guddemi said, “Unfortunately, in an effort to close achievement gaps,” parents and schools have embraced a philosophy that earlier is better. Kindergartens these days burden children not only with “reading,” but also math. More and more schools require kindergarten teachers to teach them to calculate according to algorithms as if they do not know that children can learn an awful lot of math without ever putting pencil to paper. All kinds of activities effectively teach mathematics and number sense, like puzzles.

Furthermore, technology is not the answer. So-called ed tech is not simply a tool like pencils or pens. Ed tech is pointedly very different from a pencil or a pen. First, Pre-K should be doing almost nothing with pencils or pens. For example, they should not be writing numerals and letters. Instead, they should be doing real math with real objects. Math on a technology device is not real; it often strikes the students as magical. For example, they really do not understand how the animation is supposed to convey a idea such as carrying even when they are as old as second or third grade.

Too much modern animation is far too lifelike. Children have enough trouble learning to tell the difference between what is real and not real without having to contend with squirrels who give high fives or dogs doing hip hop. Kids were better off when dancing rabbits were (and looked like) cardboard figures on a stick.

Let the children play. Of course, the best kindergarten teachers plan and guide children's play activities. The worst thing we can do is push first-grade academics into kindergarten and call it advanced academic achievement.

The Measly Educator Expense Deduction

A Heritage Foundation study of teacher salaries has provoked quite an outpouring of response.

I would like to address the $250 educator expense tax deduction and some typical hiring practices.

The first $250 a teacher spends on qualifying expenses is an "above the line" deduction, meaning it occurs on the Form 1040 before the line containing either the standard deduction or the itemized deduction. This first $250 deduction is easy for any teacher to take, at least until Congress takes it away. If a teacher spends more than $250 in any calendar year, or the above-the-line deduction disappear, there are two hurdles teachers must surmount in order to claim education expenses.

Any amount exceeding $250 becomes part of the calculation of itemized deductions. The first hurdle is that teachers can itemize only the amount of educator expenses that exceeds 2% of adjusted gross income. For example, suppose the adjusted gross income(AGI) is $25,000. The first $500 is on the teacher. If the educator's deduction is in force, this teacher would need to spend more than $750 before it is even worthwhile to start a Form 2106. If the AGI is $50,000, another $500 would have to be spent before the next dollar can be itemized.

Overcoming the 2% obstacle is just the first step. The itemized deduction hurdle is the second step. Unless itemized deductions exceed standard deductions, teachers get no tax benefit for expenditures greater than $250 (or any expenditure should Congress repeal the educator's deduction). A single teacher's 2012 Schedule A would have to total more than $5,900 in order to deduct even $1 of classroom expenses. Married teachers need more than $11,900 of allowable Schedule A expenses. Unless there is a mortgage, more than likely a teacher will eat their classroom expenses. Contrary to the cited article, the IRS would have no idea how much teachers are spending by looking at tax returns, in part because they have no way of knowing how much educator expense the standard deduction swallowed.

On the other hand, when a teacher purchases their own equipment, they are free to take it with them to the next school. I purchased several sets of Algebra Gear with my own money, and took them with me. If I had to leave them behind because the school had bought them, I would have to ask the new principal to buy them. The answer would likely be NO. I was very glad the Algebra Gear belonged to ME.

Before 2003, most educators got no tax break because the standard deduction swallowed their expenses. The above-the-line deduction was enacted to remedy the situation a little, but it is a far cry from being a reimbursement. The $250 deduction reduces taxable income by $250. A teacher in the 10% tax bracket would save $25 of income tax. A teacher is the 25% tax bracket (they do exist) would save $62.50. In both cases, the savings is peanuts, but the higher-paid teacher get 2.5 times the benefit. Remember too, that the educator expense deduction is perennially on the chopping block, and Congress could eliminate it any year now. Then the 10%-bracket teacher loses even the measly $25 savings.

Private sector workers also have out-of-pocket costs. As an aside, one of my pet peeves are bosses who hire go-fers and expect them to use their own car for the boss's errands without reimbursement. Those expenses are not likely to take the go-fer into Schedule A territory, so the low-paid go-fer eats it. The boss effectively pays an even smaller wage by foisting business expenses onto a low-paid employee.

As far as teacher salaries go, since tax prep was my moonlighting job, I have seen lots of teacher W-2s. Some seemed really low, especially private and charter school teachers. Some seemed really high like the third grade teacher making $70,000 per year and claiming thousands of dollars of furniture purchase every year. Really?

I have linked to the salary schedule of what is probably a median school district. Typically, you put one finger on your education level and one on your years of experience. Your pay should be where your fingers intersect. However, expert out-of-district teaching applicants are virtually unemployable, ostensibly because they are too expensive. Suppose an expert teacher with “Class IV” education and 15 years experience moves into the district and applies for a teaching position. If you think the pay would be $68,985, you would be wrong. See the typical note at the bottom of the schedule, “experience outside Ventura Unified School District is limited to five years.” That expert teacher's salary would be no more than $51,432. The school district would get the expert teacher for a discount of more than 25%. In some districts the pay cut is far larger.

Nevertheless, many expert teachers who change districts for whatever the reason are willing to take the cut. Teaching is their livelihood, their calling. Shortsightedly, school administrators would rather pay a novice an even lower salary than hire a proven expert. As baby boomers begin to retire, some schools have realized the hole they have created in their teaching cadre. They have a lot of novices. They have turned away mid-career teachers. Their veterans are retiring. American society has the education system we are willing to pay for.

Illegal Immigrants Pay Taxes--Who Knew

At least the EdWeek article alludes to a fact many Americans consider unthinkable. Many, many illegal immigrants pay taxes. Furthermore, they pay at higher rates than citizens or legal immigrants. Because of Social Security and Medicare withholding, they pay a flat tax of 7.5%, taken right off the top. Even if they end up at the lowest 10% bracket, they are paying a full 17%. In addition, because they do not have valid Social Security numbers, they do not qualify for tax credits citizens take for granted.

They will never be able to claim Social Security or Medicare benefits because they do not have Social Security cards. “Estimates for 2010 are that ITIN tax filers paid $9 billion in payroll taxes to support Social Security and Medicare, according to NCLR.” Say 'thank you” to illegal immigrants who contribute so much to the rest of us.

Illegal immigrants have never been eligible for the refundable Child Tax Credit on the same basis as the rest us. Their credit is limited by the amount Social Security and Medicare withholding. Presuming they have three qualifying children, someone making $30,000 as cited in the article would not be eligible for the full $3000, but only for $2250 (7.5% of $30,000). Problem is, although they may have children, their non-citizen children do not qualify them for the Child Tax Credit. The payroll tax cut reduces their Child Tax Credit because it reduces Social Security and Medicare withholding. Instead of $2250, this past year the maximum Child Tax Credit for a family making $30,000 with three qualifying children was $1650. Extending the payroll tax cut means this is the second year the potential Child Tax Credit for those filing with ITINS will be reduced.

Illegal immigrants also completely lose the Earned Income Credit, again effectively raising the amount of tax they pay relative to citizens and legal immigrants. At the 10% tax bracket illegal many immigrants pay what is effectively a 17.5% flat tax, higher than Warren Buffet and his secretary.

The article conflates legal and illegal immigrants. It also conflates Child Tax Credit with Child Care Credit, a completely different credit unlinked to Social Security and Medicare Withholding. Again, many ITIN filers, even though they have children, may not qualify for the Child Care Credit.

Furthermore, while it is true that every illegal immigrant will use an ITIN to file a tax return, it is definitely not true that every taxpayer using an ITIN is illegal.

It's the Poverty, Stupid: Part 2

This is the second part of a two part series. The first part discusses poverty in general, especially as it applies to the Occupy Movement. The second part relates poverty to the link between academic achievement and the economy.

Let me say this very clearly. The 1% are pretty much irrelevant to the education of (most of) the 99%. There is a motivating myth in our society that hard work will pay off financially. True to human nature, people cannot seem to resist putting everything in pendulum-swinging, either-or terms. Get an education and get rich. Forego an education and be poor. As if 1% of the population is rich and the full 99% are not. The Occupy movement got the Gallup people to wondering, so they melded 61 surveys to come up with a demographic comparison of the 1% and the 99%. What they found is startling.

The official top 1% of American households in 2010 includes those with incomes of at least $516,633, according to data from the Tax Policy Center as reported in The Washington Post.

Unsurprisingly, 49% of the 1% have postgraduate degrees, compared with 16% of the 99%. We have all heard critics of the Occupy activists say that if they stopped occupying and worked as hard as the 1%, they too might have a chance at becoming the 1% (a mathematical impossibility, given the nature of percentages, but never mind).

This is not to say that college degrees guarantee vast wealth. To the contrary, only a small fraction of all Americans who report having a postgraduate education (1.5%) or an undergraduate degree but no postgraduate education (0.8%) fall into the top 1% category. However, the comparable rates are many times smaller -- no greater than 0.3% -- at all other educational levels.

Let's get this straight. Although nearly half of the 1% have postgraduate degrees, only 1.5% of postgraduate degree holders are members of the 1%. In other words, the 1% did not get there by virtue of their education; they were born into the 1%.

Maybe we should look at the median knowing full well that raising the median income will also move the median. There will always be an amount that 50% fall above and 50% fall below. The 2010 median income in the US is $49,445. Instead of obsessing on statistics, we should focus ensuring that all students have a fair shot at reaching their potential. Fact is, poverty dramatically reduces those chances. Fact is, Dad's socioeconomic status is the major predictor of children's socioeconomic attainment. Fact is, worthless either-or polarities aside, education is still the best route out of poverty.

More generally, college education is strongly correlated with household income. Nine percent of Americans earning less than $20,000 per year are college graduates; this rises to majorities of adults in all income groups above $100,000. Similarly, few adults in low-income households have postgraduate education, and this rises only into the teens among middle-income adults. But it sharply increases among those earning $100,000 or more, peaking at 49% among those earning between $250,000 and $499,000, and those earning at least half a million.

What the rich do for their children is put them on a different “trajectory” of wealth.

some high poverty schools that were also high performing. These schools were able to lift student achievement, close gaps, and set their students on a trajectory of success.

The different trajectory includes different frames of reference, work approaches and loci of focus. Rich kids “inherit” a different ability to compete and different access to opportunity. Even the family junk mail is different. We could begin by funding all schools equally, ignoring the protests of those who say they do not want their tax money paying for other children, or those who hesitate to donate if they cannot designate which school receives the donation.

In the United States, we actually fund poor schools less than other schools. The highest performing countries do the opposite. More than that, the highest performing countries have less poverty because they invest in infrastructure designed to expand the middle class. In the United States, we are killing the middle class, and our student achievement will pay a dear price.

We could stop pointing to achievement outliers as feasible role models. Just because Abe Lincoln did it does not mean everyone can (and the corollary: it's your own darn fault if you don't). Every field has outliers. Not every highly talented cellist can be Yo-Yo Ma. Not every great tenor can be Pavorotti. Not every terrific actor can be Meryl Streep. Not every highly skilled computer geek can be Steve Jobs. Most of us do not realistically have a chance at being the 10%, never mind the 1%. If you make more than $138,000, you already make more than 90% of the population. $138,000 puts you in the top10%.

In my experience, success at high poverty and high performing schools is not based on merit pay, high stakes testing, vouchers, bureaucratic personnel evaluations systems, alternative certification, or any other glitzy idea that politicians seem to embrace so easily.

In fact, what American education needs most of all is a blessing high performing schools enjoy on an individual basis, a blessing high performing education systems take as a societal given, relational trust. Another disturbing fact: too many powerful stakeholders in our society are well-satisfied with the education status quo for their own self-interested reasons.

It's the Poverty, Stupid: Part 1

This is the first part of a two part series. The first part discusses poverty in general, especially as it applies to the Occupy Movement. The second part relates poverty to the link between academic achievement and the economy.

Tracking the stories we tell each other can reveal societal and cultural priorities. When the middle class was big, strong and vibrant, preachers claimed that when God promised His people abundant life, he meant believers would be healthy and wealthy in today's world. Now that income inequities have never been greater, churchgoers do not hear the “prosperity” gospel so much.

On another front, the US Census Bureau recently modified the determination of poverty levels. However, as Aaron Task points out, media avoids covering the rising rates of poverty in America.

Rising poverty is a national tragedy and a brewing humanitarian crisis in America...Most groups saw their poverty rates increase using the new calculations, including married couples, whites, Asians, immigrants, homeowners with mortgages, those with private health insurance and the elderly...I didn't hear one word about this during the Republican Debate on Wednesday and you probably didn't hear much about it either...I'd like to take the rest of the so-called serious media to task for burying this story.

I get that poverty is a depressing topic and a change to how it's measured is a complicated story to tell. But I've never had a viewer tell me they want LESS depth or more 'infotainment.'

More than ever Americans want news organizations to focus on the hard stuff...instead of the salacious (Victoria Secret's runway show), the sensational (Sharon Bialek's press conference), the sophomoric (Rick Perry's 'oops' gaffe) and the ridiculous (anything about the Kardashians) developments that pass as "news" in our society.

Blaming the media is easier on the collective ego than each member of the 99% taking personal responsibility for their contribution to the problem. Media companies sell what they perceive consumers want to buy.

Bashing the press is great fun. But the fault, dear Brutus, is not entirely in our media stars or their corporate overlords...it's important for all of us to be aware of the messages we're sending to the media in the stories we watch, share, favorite and Tweet about.

Same with the Occupy Movement. The 1% did not cause the Great Recession all by themselves. Corporations had a lot of help from greedy members of the 99%. After all, the income line between 2% and 98% is merely $250,000. Remember median income means 50% make more and 50% make less. One reason for the backlash from the so-called 53% is that some of them are (or were) your next-door neighbors and their enablers such as real estate agents, financial advisers (read: salesmen), mortgage sellers, landlords, property managers, employers, et al, who take their cut and move on, leaving economic ticking time bombs in their wake. For example, in 2003 did any real estate agent tell prospective buyers NOT to buy because houses were so overpriced relative to the underlying demographic? No, like Pavlov's dogs, they drooled over the mere thought of those juicy commissions.

Remember what your mother said. When you point a finger at someone, there are three fingers pointing back at you. The story is told that Lord Chesterfield famously entered a contest to write the shortest possible essay identifying the biggest problem in the world. His response? “I am.” Members of the 99% who are actually serious must first look to themselves. For example, landlords need to charge fair rent relative to the typical income of tenants, instead of what the market will bear. Tenants need to take good care of other people's property. One-sided contracts must be rejected in favor of contracts that promote mutual benefit of both parties.

Wherever economic injustice is occurring, the 99% must make their power of their mass felt. For example, close bank accounts with exorbitant fees. Actually, banks should not be charging maintenance fees at all. The depositors own the capital that banks use to make money. For the privilege of use, banks should pay a fair rent, called “interest.” This interest needs to be equal to at least the rate of inflation in order to prevent erosion of value and buying power. If depositors lock up their money in a CD, then the interest rate should be greater than the rate of inflation, increasing with the term length.

Reject the bank manager's insistence that interest rates need to be near zero because the bank is a profit-making business. Paying fair rent for use of someone else's property is a cost of doing business. We know what would happen if a store owner told his commercial landlord he was no longer going to pay rent in order to make a profit. We have recently learned the power of consumers in mass when banks canceled their plans to charge monthly debit card fees. What was the consumers main argument? “It should not cost me money to use my own money.” Same goes for maintenance fees and interest rates.

Refuse to rent from landlords and property managers who charge rent in excess of the HUD zip-code-based fair market rates. Report poor landlords and their properties to your city. If you are justifiably afraid to do so, go to your local Occupy Movement and find out if someone there can collect a group of anonymous reports from present or former tenants to present to the city hall.
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If you need a financial adviser, seek out the rare one who not a salesman. This is hard because certification is less about learning to be a competent adviser and more about getting a license to sell financial products. A clue: an ethical financial adviser will not try to sell you what you do not need, like stocks when you have an insufficient emergency fund.

“One critique of the protest is it lacks a unified message or mission. Indeed, in my reporting I found evidence of people supporting any number of issues, including:

* Higher Taxes on the Wealthy
* Prosecution of Financial Fraud
* Anti-Fracking and other "Green" issues
* Mortgage Modifications
* Campaign Finance Reform
* Anti-War
* Universal Healthcare
* Student Loan Forgiveness and, of course,
* Jobs, Jobs Jobs

So, sure, maybe the Occupy Wall Street movement is a bit unclear in its views and lacks leadership. But to those who mock the protesters, I have to ask: What exactly is it that you're defending? Crony capitalism? Bank bailouts? Rising income inequality and the slow death of the American dream?”

March if you want. Sit on the grass if you want. In the meantime, take concrete steps aimed at encouraging the rest of the 99% to resist exploitative, zero-sum type capitalism in favor of fairness. Do not let anyone suggest that fairness is synonymous with entitlement or that other favorite emotional button, socialism. It is not. The 1% are not the only ones who keep the profits but pass on the losses. Many members of the 99% either do the same thing, or would if they could. The 1% do it so spectacularly.

I mean, what do you make of Santa Barbara's Occu-Pirate$?

The Occupy Santa Barbara protests on Saturday brought out the “Occu-Pirate$” to represent the 1 percent vs. the 99 percent of the people. Dressed as pirates, they wore signs and shouted slogans, including “Money Is Power,” “Profit Is King,” “All Hail the Mighty Dollar” and “Pirate$ for Corporate Personhood.” When the Occupy group marched up State Street, most of the crowd chanted, “We are the 99 percent!” while the Occu-Pirate$ chanted, “We are the 1 percent!”

Personally, when I came back from a long sojourn overseas quite a while ago, I was appalled at what had happened to America while I was gone. I felt like Rip Van Winkle as I took steps to re-establish myself, opening bank accounts, buying health insurance, etc. I said at the time that I wondered why Americans were not marching in the streets. A friend recently told me that I have gotten my wish. One reason for the long apathy might be the lack of financial education in our schools. It is a common canard that a democracy requires educated citizens. That education must comprise both civics and finance. Finance is not yet another curricular add-on for an already overly burdened education system; it is an absolute necessity for our students' adult lives.