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What age do you need to be to benefit from financial education? "Is it too late at 11, 12 or 13?" That's what Paul Lewis of Radio 4's Moneybox asked Tracey Bleakley of the Personal Finance Education Group. No, don't be daft. Of course, it's not too late. People develop at different rates and most of us never stop learning. People can and do change their habits throughout their lives. And anyway, most of us learn by doing. You can't properly "do" money until you start handling it for real, making proper choices about spending, saving and the rest. It's preposterous to suggest that if primary schools don't do financial education, a generation will be doomed to spend their lives unable to make ends meet, keep track of their money or plan ahead." PJ White on financial educators

"Current youth policy fails to recognise the importance of youth work in meeting the needs of young people and is undermining the effectiveness of the policies that are in place. An economic motion going to the Lib Dem Conference from Nick Clegg calls for the government to 'take radical action to tackle stubbornly high youth unemployment by developing a comprehensive strategy for 16- to 24-year-olds ensuring that all young people have access to the skills, advice and opportunities necessary to find sustainable employment'. For any such strategy to work, it must take a holistic view."

Linda Jack on youth policy moving to the Cabinet Office

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