Thesis
Making financial literacy a major subject in Philippine schools is a necessary step towards a better
future. We see it every day, like people working so hard, yet they are still trapped in debt. Learning
about handling money properly is just as important as learning history or science because it is a
skill for survival. If we are taught early how to save, budget, and avoid bad loans (utang), we can
build a stronger foundation for our adult lives. This isn't just about getting rich; it's about having
choices, being able to support our families, and not having to leave the country just to make a
living. Teaching this in school gives every student, rich or poor, a fair chance to learn how to build
a life where money is a tool, not a constant problem.
Anti-thesis
However, just adding another major subject to our schedule might not be the best solution. Our
bags are already heavy, and we barely have enough time for our current subjects and homework.
A financial literacy class could just become another source of stress, something we have to
memorize to pass an exam, instead of a skill we actually use. Also, who will teach us? Many of
our teachers are also struggling with their own finances, and it’s not fair to expect them to suddenly
become experts. Real financial discipline is learned through habit and at home, not just in a
classroom. A textbook can't teach you the self-control needed to not spend all your allowance on
milk tea or online games.
Synthesis
The goal is right, but the method might be wrong. Instead of creating a new, separate subject, it
would be much smarter to mix financial literacy into the subjects we already have. In Math, when
we learn about percentages, we can apply it to interest rates for savings and loans. In Araling
Panlipunan (Social Studies), we can discuss the economy, inflation, and how budgeting can help
families during hard times. In TLE (Technology and Livelihood Education), we can learn how to
create a business plan and manage its profits. This way, we learn these important skills without the
pressure of another major subject. It makes our lessons more connected to the real world and
prepares us to break the cycle of poverty, one practical lesson at a time.