financial education

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Financial Literacy

Welcome to financial literacy, unit 1: welcome to financial literacy, unit 2: budgeting and saving, unit 3: consumer credit, unit 4: financial goals, unit 5: loans and debt, unit 6: insurance, unit 7: investments and retirement, unit 8: scams & fraud, unit 9: careers and education, unit 10: taxes and tax forms, unit 11: teacher resources, unit 12: additional resources.

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What is financial literacy?

Key takeaways

• Financial literacy is a measure of how well you understand money topics like credit cards, insurance, and investing.
• The more someone understands financial basics, the more likely they are to spend below their means and save for emergencies and retirement, according to the Financial Industry Regulatory Authority (FINRA).
• Financial literacy is even more important today as most workers save for retirement themselves, without pensions.

For many people, finance terms sound like a foreign language. But if you don't understand the basics of managing money and the lingo used to talk about it, it could be tricky to reach financial goals like paying off debt, buying a home, or saving for retirement. The good news is that you don't have to be a Wall Street pro to hit these targets. Mastering a few basic financial literacy concepts could help you get there.

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Financial literacy is a person's understanding of money topics. Someone who's financially literate would be able to set a budget , manage a bank account, and achieve a good credit score . Financial literacy could also include more complex skills like managing debt, buying insurance, investing, and retirement planning.

The more familiar you are with these topics, the higher your financial literacy. If you're not sure how your financial knowledge stacks up, you could test your knowledge using free online quizzes from reputable financial organizations or universities to measure your overall understanding of money matters.

Why is financial literacy important?

Financial literacy is important because you make financial decisions every single day. Being financially literate could help you make better money choices and avoid costly missteps. For example, someone who doesn't understand how credit card interest rates work might not realize how expensive it is to carry an unpaid balance, so they fall into debt—though having high expenses and low income is another common reason. Because many parents don't discuss money with their children, unless you brush up on financial literacy fundamentals , you could be at risk of repeating any money mistakes your family made.

Financial literacy is especially important when it comes to retirement. In the past, many workplaces offered pension plans to cover employees' cost of living when they stopped working. Now, you likely need to pay for retirement by yourself, using savings from an individual retirement account ( IRA ) or employer-sponsored plan, like a 401(k) . But if you don't know how to harness the power of these saving vehicles, you might not have enough money in retirement. That's why it pays to be financially literate and understand the different accounts that could be available to you.

Financial literacy statistics

Understanding money is the first step to managing it well, yet only 64% of Americans received a passing grade on a basic financial literacy quiz from S&P Global. 1 This lack of knowledge cost the average American $1,506 in 2023, according to a survey from the National Financial Educators Council. 2 And it can have a costly impact on day-to-day life too.

• 60% of US adults live paycheck to paycheck, including more than 40% who make 6 figures, according to LendingClub. 3
• 36% of Americans have more credit card debt than emergency savings, according to a Bankrate survey. 4
• And 33% of Americans have no savings at all, according to a survey by Ramsey Solutions. 5

The flipside is that when people have more financial literacy, they do better with saving money, avoiding debt, and planning for long-term goals like retirement.

Because of financial literacy's impact, many states are requiring high schools to offer personal finance classes, with some even making it a graduation requirement. In fact, Fidelity has helped develop curriculum for high schools across the country.

Personal financial literacy basics

Improving your financial outlook could start with understanding some key topics and bringing that knowledge into your day-to-day money management practices. Here's some of what you need to know.

Bank accounts

A bank account gives you a place to save your money, pay bills, and deposit checks. The type of account you use—checking, savings, or money market, for example—will depend on whether you plan to access your cash daily, save it for an emergency, or grow it over time. And there may be other options . 

Of the millions of bank accountholders, many might not understand how their accounts work, especially what banks might charge them. These could include fees for not keeping a large enough balance, overdrafting (or spending more cash than is available), or using out-of-network ATMs. Others offer low- or no-fee accounts, often tied to regular direct deposits of paychecks, or higher annual percentage yields (APY), which is a yearly return on the money you put in.

A budget tracks how much money you have coming in, as well as how much you spend and how you spend it. By understanding where your money goes, you might find ways to cut costs and save more. A good budgeter makes sure to never spend more than they bring home. Here are 7 steps to learn how to budget . Want a personalized budget you don't have to make yourself? Fidelity's Budgeting Tool Log In Required helps develop one for you. Plug in your income, and in seconds you'll get a budgeting framework based on national average estimates you can easily tweak to fit your actual spending habits. To get more specific suggestions, you can connect your bank accounts.

Emergency savings

You never know when you might need money because of losing your job, surprise car repairs, or medical bills. Start by setting aside $1,000 or 1 month's worth of essential expenses. Then aim to build up 3 to 6 months' worth of expenses in your emergency savings account.

Credit cards and debt management

Credit cards can be a valuable tool if you use them wisely. But credit cards are loans—and they could get you in trouble if you run up balances without paying them off before you get charged interest. Be sure to read the terms and conditions that come with each card so you understand how it works, including the APR interest rate, the payment deadlines, rewards, and penalties, like for missing a minimum monthly payment or spending past your limit. These 7 credit card tips could also help.

If you have other loans, like a mortgage or student loan, they'll also have a specific set of guidelines, interest rates, and deadlines that will determine how you'll pay them off. 

Once a year, check your credit report as well. This report shows how well you've been managing debt and may include a credit score , which sums up in a 3-digit number how reliable you are with paying back debts on time. A higher score makes qualifying for future loans and credit cards easier and could potentially get you better interest rates on mortgages, car loans, and other loans.

A financial plan with goals

Financial planning is creating a comprehensive plan to help reach your financial goals. By considering your whole financial life, it provides guidance on reaching both, short-term targets as well as larger, long-term ones, like retirement, buying a new house, saving for college, and/or donating to charity. With this plan, you can determine how much you may need to save annually as well as how to invest appropriately to hit these various goals.

Investment and retirement accounts

While saving money in the bank is a good start, investments like stocks , bonds , mutual funds , and exchange-traded funds ( ETFs ) could potentially grow your nest egg even more. To maximize your financial literacy, aim to understand how each one works (just click the links for explainers), as well as the different rules for retirement accounts like an IRA and 401(k) .

Insurance helps protects you, your family, and your most valuable belongings (and could keep you from having to pay out of pocket) in case of an accident, illness, or death. Some insurance types to consider are life, disability, health, home, and auto. Consider having enough coverage to protect your family in the event of loss, and discuss the details of your policies with your provider so you know how they work before you need to file a claim.

How can you increase your financial literacy?

You can increase your personal financial literacy with a bit of studying. It won't happen overnight, but it's also much less complicated than it may seem initially. Here are some ways to wise up.

Fidelity's Learning Center

Get the basics all in one place through articles from Fidelity you could read at your own pace. Many are written for newbies, so they're easy to understand. Some good sections to start with: Saving and budgeting money , Managing debt , and Investing for beginners . Or you could have financial literacy basics come to your inbox with the Smart Money newsletter .

A personal finance course could help boost your financial literacy. A community college may offer one in your area, but there are also online courses covering financial literacy for beginners. Some cost a pretty penny; others are free.

Books and professionals

There are countless books on personal finance. You could consider checking out a variety of them to get different perspectives on how to manage your money at different stages.

Financial planning seminars

Local financial planners and investment firms regularly host free events on topics like insurance, investing, and retirement planning. They do so in hopes of recruiting new clients, but you could attend just to learn more. Your employer may also offer seminars to explain employee benefits like health insurance and a 401(k)—consider taking advantage. Here's another way to learn insurance basics and other ideas for crisis-proofing your life .

A financial advisor

For more hands-on guidance, you could work directly with a financial advisor . They will walk you through how to put a financial plan together and answer any of your questions.

When it comes to finance, a little knowledge goes a long way. But don't just take any social media star's word for it. Stick with well-established companies and credentialed financial pros instead.

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Oh, hello again, thanks for subscribing to looking for more ideas and insights you might like these too:, looking for more ideas and insights you might like these too:, fidelity viewpoints ® timely news and insights from our pros on markets, investing, and personal finance. (debug tcm:2 ... decode crypto clarity on crypto every month. build your knowledge with education for all levels. fidelity smart money ℠ what the news means for your money, plus tips to help you spend, save, and invest. active investor our most advanced investment insights, strategies, and tools. insights from fidelity wealth management ℠ timely news, events, and wealth strategies from top fidelity thought leaders. women talk money real talk and helpful tips about money, investing, and careers. educational webinars and events free financial education from fidelity and other leading industry professionals. fidelity viewpoints ® timely news and insights from our pros on markets, investing, and personal finance. (debug tcm:2 ... decode crypto clarity on crypto every month. build your knowledge with education for all levels. fidelity smart money ℠ what the news means for your money, plus tips to help you spend, save, and invest. active investor our most advanced investment insights, strategies, and tools. insights from fidelity wealth management ℠ timely news, events, and wealth strategies from top fidelity thought leaders. women talk money real talk and helpful tips about money, investing, and careers. educational webinars and events free financial education from fidelity and other leading industry professionals. done add subscriptions no, thanks. saving and budgeting buying or selling a house changing jobs investing for income preparing for retirement saving for retirement living in retirement 1. "over one in three americans are not considered financially literate,” ipsos, april 27, 2022. 2. "financial illiteracy cost americans $1,506 in 2023," national financial educators council. 3. "60% of americans now living paycheck to paycheck, down from 64% a month ago," lendingclub, february 28, 2023. 4. lane gillespie, "bankrate’s 2024 annual emergency savings report," bankrate, february 22, 2024. 5. "the state of personal finance in america q2 2023," ramsey solutions, november 16, 2023. investing involves risk, including risk of loss. the third parties mentioned herein and fidelity investments are independent entities and are not legally affiliated. this information is intended to be educational and is not tailored to the investment needs of any specific investor. fidelity does not provide legal or tax advice. the information herein is general and educational in nature and should not be considered legal or tax advice. tax laws and regulations are complex and subject to change, which can materially impact investment results. fidelity cannot guarantee that the information herein is accurate, complete, or timely. fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. consult an attorney or tax professional regarding your specific situation. views expressed are as of the date indicated, based on the information available at that time, and may change based on market or other conditions. unless otherwise noted, the opinions provided are those of the speaker or author and not necessarily those of fidelity investments or its affiliates. fidelity does not assume any duty to update any of the information. the fidelity investments and pyramid design logo is a registered service mark of fmr llc. the third-party trademarks and service marks appearing herein are the property of their respective owners. fidelity brokerage services llc, member nyse, sipc , 900 salem street, smithfield, ri 02917 © 2024 fmr llc. all rights reserved. 1145515.1.0 mutual funds etfs fixed income bonds cds options active trader pro investor centers stocks online trading annuities life insurance & long term care small business retirement plans 529 plans iras retirement products retirement planning charitable giving fidsafe , (opens in a new window) finra's brokercheck , (opens in a new window) health savings account stay connected.

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Effective financial education: Five principles and how to use them

The CFPB has conducted research over its first five years into what makes financial education effective. We have summed up our findings into five principles that financial educators, financial coaches, and other practitioners can put into practice to help drive financial action and well-being.

Effective financial education means helping consumers as they work to bridge the gap between their knowledge, their intentions, and the actions they take. It means deploying a wide range of strategies that help consumers to achieve the ultimate goal of financial education: financial well-being.

We offer these principles as a path forward for effective financial education, in its many different forms. The five principles build on insights about how people make financial decisions, marshalled from many fields of study, and on what we have learned about consumers’ own experiences in the financial marketplace.

The report presents the principles, provides tested strategies as well as practitioners’ tips for ways to put the principles into practice.

Read the full report

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The Bottom Line

• Personal Finance
• Financial Literacy

Best Resources for Improving Financial Literacy

Daniel has 10+ years of experience reporting on investments and personal finance for outlets like AARP Bulletin and Exceptional magazine, in addition to being a column writer for Fatherly.

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Learning about various financial topics—personal finance, saving and investing, buying a home, retirement planning, the stock and bond markets, tax-shielding strategies, to name a few—is essential to well-informed, successful financial decision-making. Financial literacy is a key to achieving important financial goals over the course of your entire life.

What are the best resources for improving your financial literacy ? How can you take your financial know-how to the next level? We’re partial to a certain finance website, of course, but the reality is that there are a number of tools that are well worth your time.

Here are some resources that we recommend you explore.

Key Takeaways

• Books and magazines remain a great way to delve into financial topics, although it’s important to find a publication geared toward your experience and learning level.
• The past few years have seen a proliferation of personal finance podcasts that can help you hone your money-management skills in your spare time.
• Libraries and civic centers sometimes host presentations by local financial professionals that are geared to novice investors.
• Financial professionals themselves and/or financial firms also offer financial education opportunities.
• Financial websites (including Investopedia ) are another powerful and convenient resource for financial education.

For anyone trying to build their financial literacy , one place to start is with a good book. The big advantages of print are that you can go at your own pace and focus on the topics that interest you the most. Most public libraries should have a sizeable selection of publications on financial topics.

Here are some highly regarded titles to start you off.

Personal Finance for Dummies

Sure, opening up a book designed for “dummies” takes some humility, but those who dig through author Eric Tyson’s expansive tome are usually rewarded. At almost 500 pages, Tyson covers it all—from budgeting and investing in mutual funds to understanding different types of insurance. Other topics include cryptocurrency, technology, and even how to thwart identity theft. Don’t expect a deep dive into every topic. However, for a quick introduction to key concepts, it’s a good place to start.

Your Money or Your Life

This book by Vicki Robin and Joe Dominguez defined the financial independence, retire early (FIRE) movement often tied to the millennial generation. The main goal of FIRE is to save 25 times annual expenses and to withdraw 4% as retirement income. This savings goal requires a very frugal lifestyle and a firm commitment to the system. The book was fully revised in 2018 and is a great financial literacy resource for the topic of personal finance.

I Will Teach You to Be Rich

When a book on finances is described as breezy and irreverent, one might think it not worth reading. In this case, one might be wrong. Ramit Sethi's self-described "no guilt, no excuses, no BS, just a 6-week program that works" quickly became a New York Times and Wall Street Journal bestseller. It's a go-to resource that coaches readers to earn more, save more, and live a rich life. The revised 2019 second edition teaches you how to choose the right accounts and investments so that your money grows for you—automatically.

Subscribe to a Newspaper or Magazine

With so much great content available on the web, forking over money for a print newspaper or magazine might seem antiquated. Still, finding a publication in your mailbox every day, week, or month may keep you from falling off the finance wagon for too long.

In addition, newspapers and magazines have a way of introducing you to topics and ideas that you might not have sought out on your own. Below are some of the best when it comes to developing your financial acumen.  

The Wall Street Journal

One of the leading daily newspapers in the world, the Wall Street Journal has covered business, financial, and economic news since its founding in 1889. For those seeking to improve their financial literacy, this newspaper (available as a digital version, as well) provides extensive daily coverage of business news, economic events, investing, and the markets.

There are other publications that offer personal finance information, but Kiplinger is the only print magazine left that’s focused entirely on investing and money management . Unlike a number of other finance publications clearly geared toward business readers, Kiplinger has always focused on clear-cut advice for everyday investors. Published monthly, it contains articles on investments, tax strategies, estate planning , and more.

For someone with a fairly strong grasp of how markets work, Barron’s is a great tool for tracking specific industries and companies. The weekly magazine offers stock picks, breakdowns of top-selling mutual funds, and other actionable content designed to give active investors an edge.

The Economist

Compared to the other publications on this list, The Economist is a monthly that casts a broader net. Readers will find articles on economics as well as politics, technology, and the arts. It’s not the straightforward advice-based content you’ll find in, say, Kiplinger. But for readers hoping to get a sense of events shaping the global markets, this U.K.-based magazine is a treasure.

There is an enormous amount of content online for those who want to improve their financial literacy. However, where to spend your valuable time is the question. Here are some suggested sites to start with.

Financial Literacy Resource Directory

Developed by the U.S. Office of the Comptroller of the Currency, this directory provides consumers with a great opportunity to explore a large selection of financial literacy resources arranged by topic. Visitors can find an assortment of educational resources on basic financial capability, credit management, home buying, retirement and financial security, and financial literacy programs/toolkits for youths.

BetterInvesting

BetterInvesting was established by the National Association of Investors (NAIC). The mission of the NAIC is to offer individuals an unbiased investing education. It focuses on providing information and useful online stock analysis tools that help people to learn about investing and reach financial goals. Its many resources include articles, classes, stock reports, publications, investor clubs, and webinars.

American Association of Individual Investors

AAII is a membership organization that's dedicated to providing individual investors with the information they need to make informed investment decisions and reach important financial objectives. Some may consider it most useful for those with investment experience, although its target market includes novices. AAII's website and monthly journal are packed with information about a range of topics, from coverage of current events, investing for beginners, and personal finance to stocks, bond, mutual funds, ETFs, dividend reinvesting, retirement income, tax strategies, and much more.

Investor.gov

Investor.gov is a site under the aegis of the U.S. Securities and Exchange Commission. It provides visitors with an in-depth introduction to investing, financial tools and calculators, guidance on protecting yourself and your investments from fraud, coverage of financial events in the news and guidance for dealing with their effects, money tips, competitions, and games for students, and more.

Whether you’re in the car, going for a jog, or doing work around the house, podcasts are an easy way to absorb some financial ed and money-management tips without a lot of effort. The podcast landscape is pretty crowded, so you’re bound to stumble upon some worthwhile shows. Here are a few of our favorites, in addition to The Investopedia Express , Editor-in-Chief Caleb Silver's weekly take on all things financial.

"Everyone's Talkin' Money"

A certified financial planner turned podcaster, Shannah Compton Game's goal is to help people learn to see money as a tool they can use to create the life they want for themselves. Originally called "Millennial Money," Game has re-focused her podcast to ensure that all, from the inexperienced to those ready to retire, get critical financial information explained in ways that are easy to understand and act upon. The podcast features topics like how to start building wealth on any budget, how to get rid of debt, the need-to-knows about student loan forgiveness, and creating passive income streams.

"Money Girl"

This show, hosted by Laura D. Adams, "has been downloaded more than 42 million times by legions of loyal fans." Laura's forté is applicable advice and tips in about 20 minutes per week that listeners can implement immediately. Inspiration for "Money Girl" podcasts comes from current events, social media, listener questions, and Laura's conversations with her friends. The variety makes it easy and fun for listeners to understand complex personal finance topics. "Money Girl" can be heard for free on the "Money Girl" blog and on many apps, including Apple Podcasts, Spotify, and the Stitcher app.

"Planet Money"

Those seeking a better understanding of what’s going on with the economy will probably find NPR's "Planet Money" a great starting point. The podcast likes to take recent news stories—the development of a COVID-19 vaccine or trade wars with China, for example—and give them added context. The show doesn’t always take aim at the big headlines, though. One episode tackled the plausibility of the television show The Simpsons through the lens of the economics of the modern middle class American family. If you’re curious about all things economics, this may be for you.

"The His and Her Money Show"

Learn the basics of marriage, money, and financial independence with Talaat and Tai McNeely and their guests, who include Dave Ramsey. The podcast covers a wide range of topics including credit, debt, saving money, investments, real estate, earning money from side hustles, tax deductions, and even making money from your car.

In-person and virtual events are another opportunity to increase your financial literacy and start making wiser choices with your money. Public libraries, for example, sometimes host seminars led by local financial professionals. Financial firms also periodically offer financial and investment seminars. Many of these events feature question-and-answer sessions in which you can get personalized advice on a specific financial scenario you’re facing.

There are also a number of community-oriented financial literacy programs around the country aimed at low- and middle-income adults that include budgeting and investment classes. Some offer free counseling sessions for eligible participants, in which you can talk one on one with a financial coach.

What's Financial Literacy?

Financial literacy is the ability to understand and use financial concepts such as saving, investing, and debt management. While these three concepts are the bedrock of financial literacy, each leads to other financial topics, all of which contribute to more in-depth knowledge and skill.

What Are the Key Components of Financial Literacy?

There are five key components of financial literacy, according to the Financial Literacy and Education Commission: Earn, spend, save and invest, borrow, and protect.

Why Is Financial Literacy Important?

Financial literacy is vitally important because it represents financial knowledge, and financial knowledge is power. The more that you learn and understand (about topics such as saving and investing, budgeting, borrowing money, investing, retirement planning, and more), the better able you'll be to take advantage of opportunities to improve your current financial well-being and your future financial security.

Improving your financial literacy is a must in order to possess and build on the knowledge you need to develop healthy money habits and invest wisely. Books, magazines, and financially-focused websites abound. With the growth of podcasts, and other digital media , there are more places than ever to get the valuable information that can enhance your financial literacy.

Wiley. " Personal Finance For Dummies, 10th Edition ."

Penguin Random House. " Your Money or Your Life ."

Hachette Book Group. " I Will Teach You to Be Rich, Second Edition ."

The Wall Street Journal. " July 8, 1889: The First WSJ ."

Everyone's Talkin' Money. " About ."

Everyone's Talkin' Money. " Podcast Episodes ."

Laura D. Adams. " Money Girl Podcast ."

National Public Radio. " Planet Money Podcast ."

NPR: Planet Money Podcast. " Homer Simpson vs. The Economy ."

His & Her Money. " The His and Her Money Show ."

Federal Financial Literacy and Education Commission. " My Money Five ."

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