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Yes, I thought you had to have credit to buy things and now I know that it is a misconception. The widespread financial insecurity of Americans is primarily because; The saving rate of Americans is low and many borrow in order to spend more than they earn. Foundations In Personal Finance Test Answers . This principle suggests that a certain amount of money today has different buying power than the same amount of money in the future. by andi031488. Online Course for Grades 9–12. Learning to manage money at this stage can eliminate financial mistakes and promote huge financial benefits for the future. During the Great Depression, New Deal policy makers came up with mortgage and consumer lending policies that convinced commercial banks that; True financial security is achieved when your money begins to generate an income- your money starts working for you. Write out a detailed plan for accomplishing your goals. Idea is the foundation for many key investment. 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