jean chatzky author of money rules the simple path to lifelong security was kind enough to share her three favorites jean chatzkys three favorite money rules when it comes down to it the decision to pursue further education lends itself quite nicely to the same thing we rely on to help us make other expensive decisions simple math should i go back to grad school there is a huge disparity between rich countries and the rest of the world when it comes to unbanked populations nine out unbanked threequarters of the worlds poor do not have a bank account more americans also are relying less on cash 43 percent of americans have gone a week without using cash according to a prepaid cards double as student ids on college campuses