Karen Berman, Joe Knight

The central lesson of Financial Intelligence is that financial understanding is not about mastering formulas—it is about learning how to interpret the story behind the numbers. Income statements, balance sheets, and cash flow reports are shaped by assumptions and judgment, and those who recognize this can make smarter, more informed decisions. Financial intelligence enables leaders and employees alike to connect everyday actions to long-term outcomes.

Berman and Knight show that when financial knowledge spreads across an organization, performance improves. Managers manage cash more carefully, investments are evaluated more realistically, and risks are identified earlier. Financial intelligence does not eliminate uncertainty, but it equips people to navigate it with clarity, confidence, and accountability.