Introduction: Financial literacy isn’t just a nice-to-have—it’s a life skill that helps people navigate budgets, debt, investing, and everything in between. Yet many young Australians finish school without this essential knowledge. Ages 15–24 saw average scores drop from 3.4 to 2.9. Ages 25–34 went from 3.9 to 3.6. For ages 45–64, scores fell slightly...