Financial literacy is defined as the ability to use knowledge and skills to manage financial resources effectively (World Bank). This skill, though often overlooked, is an integral factor to gaining of financial independence and stability that is often overlooked throughout society. The ability to manage wealth effectively means being able to optimize and and enact rational decisions that would lead to optimal social outcomes such as being able to capitalize on compound interests, choosing optimal loan plans, and avoiding debt. The Market Crisis such as that of the 2008 led many to realize the importance of understanding the growing number of financial instruments available to investors at a more and more complex scale. This knowledge gap exists both in the underdewoods d and especially in the developing countries such as the Philippines. In 2015 Standard and Poor's (S&P's) ranking services reported that only 25% of Filipinos are financially literate (S&P). The  direct implications of thise lack of financial education such as the lack of exposure and of access to financial accounts is also exemplified by a 2016 study which reports that more than 20 million Filipinos saved money in 2016 but only half had bank accounts (World Bank Study). The same is true for the United States where it is reported that 57% of the population is financially illiterate. Most financial literacy classes appear in partnership with insurance companies hoping to gain more clients. The problem, however, is that these institutions are inherently biased towards their products, leading consumers to distrust them and avoid such lessons affiliated with products.