This paper discusses the implementation of the financial literacy initiative, focusing on the improvement of the grass route level. It emphasizes the need for financial literacy and inclusion for secondary and tertiary level students as they are the grass route of society. The viewpoint adopted a qualitative approach to discussing the need for financial inclusion implementation. Which, selected terms and words related to financial literacy, strategic implementation, and inclusion were used to search and discuss in this paper. The paper emphasized the grass roots level improvement which means the student segment is to be focused on; it discusses the practical problems of students in learning financial aspects, and the need for a strategic approach to implementation for literacy and inclusion for individual financial growth. Further, it highlights the literacy creation platforms like media, social media, and technology advancements.