As a financial expert, I agree that money literacy is generally more important than financial literacy, though both are valuable. Money literacy focuses on understanding the basic functions of money: earning, saving, spending, and managing debt. This foundation is crucial for everyone. Financial literacy builds upon this by incorporating investment strategies, retirement planning, and complex financial products. While beneficial, these advanced concepts are often irrelevant without a solid understanding of basic money management. Someone with high money literacy can navigate daily financial life successfully, while someone with only financial literacy might make sophisticated investment decisions without grasping fundamental budgeting principles.