April is Financial Literacy Month, and while it’s always a great time to talk about financial literacy, April shines a big spotlight on my favorite topic! Not everyone will geek out about it like I do—and I’m okay with that—but we need to face some hard truths. Nearly one-fourth of millennials are spending more than they earn, college students are racking up record debt, and more and more people say they have less than three months’ worth of emergency funds.…