Our Story

When you think about your personal finances, how do you feel? Stressed? Anxious? Uneducated? All of the above?

I have some good news for you! School Smart, Money Stupid is a resource that can become your new best friend. Whether you feel any of the emotions above when you think about your personal finances or believe you have a strong foundation of knowledge about personal finances, School Smart, Money Stupid can be a resource for you. We can help you take newfound control of your personal financial position or introduce you to new topics that can help increase your already sound financial knowledge.

The idea to begin School Smart, Money Stupid originated from two friends walking home from class one day. Jack Giardino and Josh Payne were falling into a rabbit hole of a conversation, like they often do, when they asked, “Why isn’t financial literacy taught in our high schools or colleges?” They discussed how it doesn’t seem right that people are told to go to college in order to receive a diploma that will allow them to make more money, but neither society nor our education system has ever taught us what do to do with that money. Throughout high school and college classes, students are not taught how to budget, balance a check book, apply for a mortgage, what our credit score truly means, or anything along the lines of taking control of our personal finances.

Instead of sitting back and watching this problem continue to grow, Jack and Josh decided to take action. Over the course of a couple weeks, the two came together and brainstormed some ideas on how to help increase the financial literacy of people. The two decided to create School Smart, Money Stupid. School Smart, Money Stupid consists of a podcast, blog, website, and social media platforms where the School Smart, Money Stupid team discusses financial topics, publishes blog posts on everyday money tips, tricks, and ideas, and shares other resources and financial topics through the website (www.schoolsmartmoneystupid.com) and their Facebook and Twitter accounts, which can be found by simply searching School Smart, Money Stupid.

We hope you will find the content on the entire School Smart, Money Stupid platform to be both educational and relevant, and hopefully we will be able to help guide you through the process of taking control of your personal finances.


-The School Smart, Money Stupid Team

The number one problem in today’s generation and economy is the lack of financial literacy.
— Alan Greenspan