As a professor, I often hear my colleagues lament the state of financial literacy in the U.S. They point to declining mathematical literacy and the rising complexity of modern markets. There is certainly truth to their concerns. However, our research and experience suggest the "literacy gap" is far less about a lack of information—it is a lack of a decision-making system. In today’s GenAI-driven world, the barrier to information is quickly vanishing. If a student wants to kn