Kids these days might be familiar with TikTok, but that instant access to a whole world of information that comes with getting their first cellphone does little to help them in the increasingly complicated task of becoming an adult.

I watch it unfold with my own almost 21-year-old daughter. She, like many of her friends and classmates, completed more college courses before graduating from high school than I did in my first two years at a top university. But this latest generation on the verge of being a certified adult is no closer to navigating real life than we were at their age. Sure, they might pass AP chemistry with flying colors, but the life skills gap is wider than ever when it comes to understanding credit scores, negotiating a salary, or paying taxes.