I’ve been in the financial industry almost my entire business life, so I suppose I take my financial knowledge for granted. When I worked in private banking, some of my clients were older ladies, widows mostly, who were in the terribly uncomfortable position of finding that they knew almost nothing about the finances that their husbands had handled. Luckily their partners had set them up with professional money management accounts, so they had advisors looking after their investments. But when it came to paying bills and making purchasing decisions, they had no idea where to begin.