So glad you're with us here on the Clark Howard Show where it's about your empowerment

with knowledge so you can keep more of what you make.

Our website's Clark.com and our money saving site, ClarkDeals.com.

Coming up in just a few minutes, going to a full commission stock broker, deal or no

deal.

No deal in today's Clark-ragist moment and coming up later, what makes people moods

better?

What improves their psychological outlook?

Having more money or being more fit?

Wait till you hear the answer.

Physical fitness or physical fitness.

So being a being physically fit, a physically fit, if I can get it straight, it's something

that has become a real problem for 20-somethings that a lot of people never having an opportunity

to learn about how to handle money, personal finance end up as adults, not exactly handling

money as well as I might hope they would.

Well, there's a program that I read about in Market Watch that started four years ago

at a charter school near Philadelphia.

And this charter school program to teach personal finance was started by an English teacher.

How's that for a surprising thing?

And so this English teacher named Dan came up with this totally off-the-wall program

to try to overcome the fact that when high schools teach personal finance, that it becomes

an abstract thing and students don't retain knowledge about it because it's all like

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