In Hong Kong, people usually think thatstudents, especially university students canmanage their pockets well as they are themost talented people and learned a lot fromschool. However, this kind of stereotype isabsolutely wrong. So, we need to ask aquestion. Why can our talented universitystudents still suffer from the Ponzi scheme oreven the naked loan trap?Naked loan and P2P loans usually come froma student who lives in poverty and cannotcontrol his desire well. They don't hold thecorrect value to money, needs, and desire.Lending money from the shark is definitely awrong step for money and a vicious cycle.Therefore, I believe that education for financialcapability is the first priority in the city area,especially for university students. Therefore, itis time to do something. I would like to addressfinancial management education to universitystudents on my campus, and in mycommunity. Via education of financialmanagement, it can be a positive change foruniversity students when they try to buysomething, thinking of desire and needs, timeand value, and management for their pocket.