Editor,THIS IS in reference to the opinion, "EDPRS II: Economic transformation – a must, not a necessary evil”, co-written by Helene Cyr and Sheila Kyarisiima in The New Times edition of July 25.There are good points highlighted in the opinion. I am convinced that we need to fine-tune conditions favourable to middle class growth; streamlining household resources management (HRM) is imperative. Literacy is an important asset. However, financial literacy is even of greater importance in order to harness the virtues of EDPRS II.Financial literacy leaves nobody behind. It is more inclusive, easy to champion and easy to own and relates loyalty to development. Our Growth Domestic Income (GDI) will easily be attained. Our middle income status country will not remain a dream, we shall see it coming. You will be there.Justus, Rulindo, Rwanda