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Jerome Kirkland, an experienced financial professional, will discuss his findings and the impact of such financial education methods on the American population. The statistics are mind-boggling that in the "land of the free" and "home of the brave" perceptions about personal finances and money management are widely varied. This show is being aired to share with listeners that a "change" in discipline may be what the doctor ordered! Jerome will provide opportunities to discuss his findings, with listeners, via a live-call in session, as a portion of this show !