Second to health, money is probably the second most popular thing Americans think about this time of year while everyone is making resolutions. This is the year I’m going to be better with my money, we say to ourselves. It’s a wonderful goal: We all want to be the kind of people who are good with money. And I used to believe that financial literacy was one of the keys to that—that if only we all took some kind of class about money and budgeting while we were young and impressionable in school, we would have been in a better position to avoid so many of the financial mistakes we make today. I’ve since changed my mind about the effectiveness of financial literacy classes.