Understanding finance-speak is difficult for quite a few of us according to the latest HILDA survey reported in The Conversation. Perhaps it is time to take a look at what they are doing in Universal Design for Learning on this topic. If curriculum designers can devise a program for young people with disabilities about to enter the workforce then perhaps it would work for the rest of us. The article in The Conversation highlights the inequitable divide by age and gender when it comes to understanding finances. This is another reason to apply universal design principles to financial literacy. While women scored lower than men, generally men still have low levels of financial literacy. Given that most adults can function well in other areas of literacy, the finance sector has much to do to bring us up to speed. Low levels of financial literacy are over-represented in poverty statistics so this has to be addressed from the perspective of equity and inclusion. The article in The Conversation has a five question test you can take and a video of 10 emerging trends in Australia as well as more information from the HILDA data.