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3 out of 10: Americans don’t have enough in savings to cover a $500 emergency expense.²

2 in 10: Adults in the U.S. have student loan debt.³

5 out of 10: Workers have estimated how much income they’ll need each month in retirement.⁴

Only 57% of adults in the U.S. are financially literate.⁵ And some factors—like ethnicity and gender—lower that percentage.

Less exposure and access to money management resources affect certain groups. For example:

• African Americans are more likely than whites to have higher debt or carry student loan debt. And they’re more likely to pay only the minimum each month on their credit cards and incur late fees. African Americans with more financial literacy are more likely to better manage debt and plan for retirement. And they’re more likely to be financially resilient.⁶

• Worldwide, men are more likely than women to be financially literate—including in advanced economies like the U.S. That gap exists regardless of education, income, and age.⁵

Everyone can improve their financial literacy. No matter your level of financial literacy or the hurdles you face, you can start with our resources and learn at your own pace.

Those with higher financial literacy are more likely to:

• Have less stress about their finances.¹
• Save more than they spend.⁷
• Make ends meet.⁷
• Have at least 3 months of emergency savings.⁷
• Plan and save for retirement.⁸
• Enjoy a lifestyle that meets or exceeds their expectations in retirement.⁸
• Have better financial outcomes in retirement.⁸