Many schools fail at financial education, but so do some parents and employers, financial educators say. Most K-12 American public schools don’t provide children with money management skills, studies show. Only 21 out of 50 states require financial education courses to graduate from high school, according to the Council for Economic Education latest “Survey of the States.” Five states plus the District of Columbia don’t even include personal finance in their standards, the report said. “That’s not enough. This is crucially important education and we would like to see more young people being exposed to it,” Dennis Moore, president of the Financial Planning Association, told the Epoch Times. Money management education for children and young adults is “increasingly important,” according to the Financial Educators Council. It says the problem is not only in the schools, it often begins at home. Thirty-six percent of American households can’t withstand a financial emergency …