Failures build more experience than success.

Totally right, that is why the wisest people have a lot of failures in their past.

I wrote an article on why schools do not teach financial understanding that highlights how schools are geared at creating employees and not creative or critical thinkers.

This is another subject that deserves proper debate, people need to understand how money and finances work, they are an important part of our lives and a lot of people make mistakes simply because they don't have enough knowledge about this.

Pardon my newbieness if I mess up the link to the article I haven't learned how to do those short link things. yet.

No problem mate, I will check your article tonight. To put the short link just do like this:

[put the word or words here] (put the link here)

and delete the space between ] and (

Cheers!