The article explores how people's knowledge about money affects their decision to invest in the stock market. The researchers created special surveys to test people's financial literacy, including understanding basic economic concepts and knowledge about stocks and bonds. They found that people with better financial knowledge are more likely to invest in stocks. However, many people struggle with understanding financial topics. The way questions are asked in surveys can also affect how well people demonstrate their financial knowledge. Overall, the study shows that having low financial literacy makes people less likely to invest in stocks.