This bill amends federal law to expand financial literacy education requirements to include secondary schools (middle and high schools) alongside colleges and universities. Currently, the Financial Literacy and Education Improvement Act focuses best practices primarily on higher education institutions, but this legislation adds secondary schools to those requirements. For high schools and middle schools, the bill specifies that financial literacy instruction should cover budgeting, saving and investing, credit and credit scores, critical thinking about financial products and scams, and understanding options for paying for college. The changes update the law's reference date from 2018 to 2024 and add secondary schools to all relevant sections governing financial literacy best practices. This bill aims to ensure students receive financial education at an earlier age, helping them develop money management skills before making major decisions about college and student loans.