Anyone who has access to the Internet can begin learning the basics of financial literacy right now. That is the only barrier, other than being literate.

Here are some basic tips that could get someone with zero financial literacy started:

1. Don't use credit cards unless you can pay them off before interest accrues at the end of the month, otherwise you are wasting money and entering the Debt Trap.

2. Don't use Doordash and other expensive delivery services, pick up your own food or make it at home.

3. Make a budget, which should at least consist of a list of your monthly expenses such as housing, food, utilities, etc, and keep track of what you spend on it.

4. Subscriptions are leeches, don't subscribe to anything that you can avoid.

5. If you have an employer provided retirement plan, always put in what they will match so that you get the full match (free money).