Financial management, how do we effectively train our service membersto have a lasting impact?

First, let me start by saying that I am a huge advocate of Dave Ramsey and his methods for being debt free. His advice touches those with little financial education to those with a lot as well as those with very low income to high income. With that being said, I implement his concepts into my life as well as when I give Soldiers financial advice. I know, I am not a professional financial advisor, and I do not act as one.
The military does an outstanding job in combat readiness training, and has instilled countless amounts of quarterly, semi-annual, annual training etc. in class and online. Unfortunately, it seems as if the military (as a whole) has neglected mandatory financial training that could potentially impact that Soldier for a lifetime. From my experience when talking to Soldiers about finance, it seems as if most are completely ignorant (not their fault) towards financial management. It is sad, but high school often times doesn’t teach how to be an adult, and the first time a lot of Soldiers have had any “real” responsibility in life is when they show up to their first unit and start making financial decisions on their own. In my humble opinion, I think a very large portion of the moral and behavior issues that our military community faces today somehow stems back to individual finances. I couldn’t tell you how many Soldiers that I have seen facing UCMJ, mental health issues, poor work performance, alcohol problems (just to name a few) have severe finance problems when you begin to peel the onion. I know this should start at the first line supervisor, but am I the only one that sees the importance in this issue?
Why are we not trying to beat the importance of finances into the heads of every service member from the day they leave home, until their service is terminated? As a leader, it is baffling to me. I am not saying that as a SSG I should have the right to control a PFC’s financial decisions in life, but I do think that Soldiers should be mandated to have real life financial readiness training. An online class that can easily be skipped through will not fix the problem, it has to be done from qualified professionals with personal skills to reach these individual service members.
Simple things that Soldiers and their families need educated on are budgeting, investing (short term, long term), the impact of interest rates when making big purchases, emergency funds, credit card use, investing in their future after the military!! There are people throughout the ranks from E-1 all the way up to general officer levels that are in debt up to their eyeballs, and it really is sad to turn a blind eye to it. In my last unit my 1SG actually sat down with everybody and explained these simple things to people, and we offered after work advice with families, it was amazing how much interest the majority of Soldiers took in it. It wasn’t an ALL RIGHT LETS DO THIS MANDATORY TRAINING, more of a genuine concern for Soldiers and how to financially free them from debt. The impact was immediate, and I hope those Soldiers have continued their financial education after they departed the unit.
Sorry for the long post, thank you for reading. I hope I am not completely off the wall with this, I want some thoughts?