The Miseducation of Credit is directed to the lack of education as it relates to the true importance of financial literacy. Financial literacy is a topic that should be taught and discussed in grade school. Financial literacy is pivotal in every day life for all age demographics. The lack of education in financial literacy has caused a sense of financial trauma to many individuals. Hosea 4:6 says, "My people are destroyed from lack of knowledge". When we know better, we do better. It is imperative to protect our financial health.