Here’s something we think: it’s hard to have very good financial literacy without some financial experience.

• Until you have a financial account, the financial system will probably be a mystery to you

• Until you have investments, they are probably going to be quite mysterious too

Today we are here with John Mitchem and Jorik Van Zanden. We're going to talk about one thing only: what are the cultural differences around retirement thinking in the Eurozone, Australia, and the US. With a dollop of what that means for retirement outcomes.