As teens graduate high school and begin their transition into adulthood, they may find it difficult to navigate America’s capitalistic system. Although the current curriculum most American schools follow helps guide students into their preferred careers for the future, a majority of these same students find themselves in extreme debt after graduating college because they do not understand even the most basic knowledge of finance, such as their credit. Financial issues can carry on into adult life, and Americans can find themselves lacking the knowledge needed to pay bills, which can lead to homelessness, or living in conditions below the poverty line. Americans are rarely taught ways to make effective decisions about their finances, which makes them vulnerable to the sometimes malicious intentions of the monopolies large banks and corporations hold. This is why I chose the topic of Financial Literacy and regulation of banks, to demonstrate the disadvantage financially illiterate Americans can find themselves in, and show the dangers of these Americans being taken advantage of by large banks and corporations.