It's okay to claim ignorance on confusing subjects, but it's even better to get an education. Credit cards, loans, Roth, financing, debt, 401k, money management, budgeting, investing, ESA and 539s, S&P 500 index -- these terms are often misunderstood, bore adults and make babies cry. Unfortunately most people don't take an interest until the Repo Man comes knocking.

Before a financial crisis occurs (and it will happen, just ask anybody with a pulse who had to pay their own way through life, please take some time to get educated. If you have a plan in place before a crisis, and have the knowledge and tools in place to deal with a crisis, then it's really difficult to still call it a "crisis."

Morningstar.com offers free online classes to sharpen your investing skills. Currently there are 172 course available. They're short, to the point and will help you learn to grow your money. You are also awarded points when you finish each course quiz to be used toward gifts, like a lovely stainless coffee mug. Make sure you sign up for a free membership to keep track of your points.

Visit Morningstar.com's Investing Classroom Now.