Ah, the year 2024, a time for financial literacy and learning. It's always great to see people taking an interest in understanding personal finances and making informed decisions. But wait, it seems like you're suggesting that it might be too late? Well, I certainly hope not! It's never too late to educate oneself and make positive changes. So let's embrace the journey towards financial literacy and work towards a brighter future! Thanks for sharing the image as well.