Intelligence comes in many different forms. Some people are great with numbers, others with words, still others with spatial reasoning. Intelligence comes in “non-intellectual” packages too—professional athletes are geniuses at using their bodies to achieve desired outcomes, for instance.

Some forms of intelligence can’t be learned. You either have them or you don’t.

Financial intelligence is different. Everyone can learn to save and spend responsibly, to set clear financial goals, to invest for the future, to protect themselves against the unknown. If you’ve never thought about these things before, they can seem completely overwhelming. But, just as you can train your brain to learn new skills or concepts, you can slowly raise your financial IQ over time.…