Like others here, I support the Add-On Endorsement and request its approval by the Board of Education. A high quality economic and personal finance (EPF) education, especially one that gets right the principles of personal finance, is key for at least three reasons.  One, it should be viewed as ladder to allow those with poorer opportunities to make the most of them--especially when it comes to decisions to skill themselves. Second, given whatever skills one acquires, the path to wealth is saving and time--so requires budgeting skills, realistic expectations of returns to financial investments, and clarity on the returns to deferred gratification, all which good EPF delivers.  Third, EPF should be viewed as a shield for our children: In 2022, poorly-understood but easy-to-access investment vehicles abound, and are accessible by anyone with a smartphone, i.e., anyone. So the risks, and hence the value of EPF, has never been higher.