Financial Illiteracy Is Killing Us

Financial Illiteracy Is Killing Us
By BRETT NELSON

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As Ben Bernanke and the Federal Reserve dither over what to do about the darkening economy, I’m reminded of, and damn near demoralized by, a scene in “I.O.U.S.A.”, the remarkable and terrifying 2009 documentary about the burgeoning debt crisis in America.

In the scene, a cameraman asks a smattering of people to define “trade deficit.” Here was one of the better answers, delivered by a fresh-faced woman who looked roughly 18 years old: “Deficit usually means…disorder or something. Something is wrong with it. It’s not good.”

Ok, maybe the notion of importing more stuff than we export is a tad abstract. How about the notion of debt? Cameraman to passersby: “How big is the federal debt?” Some responses: “I’m guessing quite a bit”; “3 million”; “I know it’s in the billions.” Try $8.7 trillion. (The film was made in 2009–after bailouts, stimulus packages and healthcare reform, that number is now a few trillion higher, and will soon surpass the $14.5 trillion worth of goods and services this country produces annually.)

The point of “I.O.U.S.A.”—sponsored in part by the Peter G. Peterson Foundation (Mr. Peterson is a billionaire investor and former U.S. Secretary of Commerce)—is to scare us stiff about the consequences of mass fiscal irresponsibility. It succeeds. But it also drives at something deeper: our rotting education system that ultimately led to this problem.

That teenagers are allowed to drive, vote and parent, all while not knowing the difference between an asset and a liability, is nothing short of a travesty. Yet that’s what we have–and we are all paying for it.

I’m thinking now about the $1.3 trillion in delinquent consumer debt–$986 billion of it overdue by at least 90 days. One. Point. Three. Trillion. I’m also thinking about the wide-eyed throngs who signed up for no-doc mortgages they could never in their wildest dreams afford. And then there was the obvious mental mismatch between members of Congress and the Hank Paulsons, Ben Bernankes, Lloyd Blankfeins and their pin-striped ilk that led to a “financial reform” bill with so many holes that two institutions–Fannie Mae and Freddie Mac, which now own or guarantee half the entire mortgage market–fell right through. (Does anyone truly believe that was a fair fight?)

Here’s who should be thinking about all of this: the folks who run our schools. If the U.S. aims to compete–for anything–on a global scale, its populace has to be financially literate. And it isn’t. Not even close.

Consider the atrocious findings in a 2008 report by the Jump$tart Coalition for Personal Financial Literacy (underwritten, ironically enough, by Merrill Lynch). Begun in the 1997-1998 school year, the nationwide biennial survey of 12th graders aimed to determine “the ability of our young people to survive in today’s complex economy.” The 31-question exam touched on topics ranging from credit cards and car insurance to the stock market and home ownership. The results were bad, and are getting worse.

The average grade on the first exam was 57.3%. (You need a score of 60% to pass.) In 2008, it had dipped to 48.3%, with nearly three quarters of the 6,856 students failing. Fewer than 5 out of every 100 earned a “C” (75% or better). While college seniors scored higher on the same exam in 2008, averaging 64.8%, the Jump$tart report points out: “The good news is that most college graduates are financially literate. The bad news is that only 28% of Americans graduate from college, leaving nearly three quarters ill-equipped to make critical financial decisions.”

Here are some more arresting numbers, compiled by the folks at Practicalmoneyskills.com, sponsored by Visa.

–A 2009 Financial Literacy Survey of adults, conducted on behalf of the National Foundation for Credit Counseling, revealed that:

• 41% of U.S. adults, or more than 92 million people living in America, gave themselves a grade of C, D, or F on their knowledge of personal finance.

• One-third of adults report that they have no savings and only 23% are now saving more than they did a year ago because of the current economic climate.

• Among adults who have children under the age of 18 living in their household, 33% want to provide a college education for their child but have not done anything about it yet. Only 21% have established a 529 Plan or other education savings account and expect to be able to pay for four years of college for their children.

–Sallie Mae’s 2009 survey of how undergraduate students use credit cards revealed that:

• 84% of the student population has credit cards; half had four or more.

• Undergraduates are carrying record-high credit card balances. The average (mean) balance grew to $3,173, the highest in the years the study has been conducted. Median debt jumped to $1,645 from $946 in 2004. One out of five undergraduates carried balances between $3,000 and $7,000.

• Only 15% of freshmen had a zero balance, down from 69% in 2004.

• 60% of undergrads experienced surprise at how high their balance had reached, and 40% said they have charged items knowing they didn’t have the money to pay the bill.

• Only 17% said they regularly paid off all cards each month, and another 1% had parents, a spouse, or other family members paying the bill.

• 84% of undergraduates indicated they needed more education on financial management topics; 64% would have liked to receive information in high school and 40% as college freshmen.

–A 2009 survey of America’s “Financial IQ” by Capital One revealed that:

• Nearly half (47%) of those surveyed said they are putting less money into savings and the same percentage report that current economic conditions have caused them to dip into their savings to cover day-to-day expenses.

• While a third of those surveyed said they save regularly every month, only 12% report that they are saving the recommended 10-15% of their income for the future, and another 12% said they are not saving anything at all.

• The majority of Americans (59%) consider themselves to be highly knowledgeable or very knowledgeable when it comes to personal finance, down from 64% in 2007.

• Nearly two-thirds (63%) of those surveyed say they are extremely comfortable or very comfortable managing short-term finances but only half (54%) feel comfortable managing long-term finances.

(On those last points, I can’t help but recall the Lake Wobegon effect, which describes our collective tendency to think that we are all above average.)

The best weapon in the fight against financial illiteracy: education. Consider the results of a 2008 study by the Boys & Girls Clubs of America and the Charles Schwab Foundation of teens participating in the financial education program Money Matters:

• Teens who reported learning a great deal about goal-setting were significantly more likely to also report that they had saved money for something they wanted and then purchased it (79%), compared to those who reported they learned little or nothing about goal-setting (58%).

• Teens who reported learning about managing savings and checking accounts were more likely to report having opened both types of accounts (57% vs. 44% opened a savings account; 36% vs. 28% opened checking accounts).

• Those who reported learning about saving money were more likely to save regularly (72% vs. 57%).

• Teens who learned to track spending were more likely to report having developed a budget (50%) vs. those who learned little or nothing (29%) and also more likely to save money to purchase something (80% vs. 60%).

With that, I have but one message to school principals, headmasters, chancellors, parents, members of Congress, the national business press and anyone charged with nurturing the next generation of consumers, investors and voters:

Help!

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51 responses to “Financial Illiteracy Is Killing Us

  1. seen this data and knowing all this thing show us teenagers are not having the correct education to affront real world.this would lead their money and the money of the others in a big whole where one day you maybe be so irresponsable and so dumb you can loss your money.I think schools should give classes to teach their students how to manage their money and not affront financial illiteracy!

  2. Definitely we need to learn how to spend or to save our money; Observation and Question: Our country is poor, we don´t know how to use money, how to save it, or to invest it on something productive; What would happen if Honduras falls into the same economic problem like U.S.A? Will we stand against something like that? I don´t thing so. Could we make it better if we start by studding economics since high school? It would help more in the future of the economy of the country.

  3. Jean,
    Do you think taking accounting in 10th and 11th is a good start? I absolutely agree with you by the way.

  4. Marvin,
    You are right, saving is extremely important! That is probably one of the best things we can actually learn. Saving though, takes discipline and will. It is easy to fall to temptation.

  5. Interesting facts about people that didnt know about credit cards… This essay helps everyone understand that the US is in a big debt and that everyone that uses a credit has to know what the consequences are. Many teenagers didnt received information about credit cards so they had many of them I hope they all learned that using a credit card means you will get interests. I totally agree that the best way to beat financial illiteracy is education, knowing about it will reduce the use of it and the debts in young man in the US

  6. I think that ignorance is one of the things that is affecting us, because if people do not know nothing about economics they doesn’t care they spend money on silly things, but if someone teach them about economics and how to save money I beat they will be more carefully with they money.

  7. no one’s fault but also schools that provide education in our homes some parents put on the mentality of children who have money and they do not affect anything in life, from an early age children begin to look like money the will to get things without knowing that to make money have to work. banks when they make a proposal to the children and their parents will give a benefit but are not given the reality that they will have to face when the card reaches its credit limit and in the market or at the mall do not pass the bank what matters is how much money comes not in what way the customer will pay. the Ninno look so easy to spend and spend and not an seen the reality of our countries because they live in a flawed world where money has made our mind that wrong and not for more ay millions of people who can not use either your money and the first thing they do is buy more expensive things to brag to their friends to the living is getting worse but did not realize because the schools do not provide the information necessary or students do not pay attention to the levels illiteracy that exist in our country.

  8. Absolutely!!!

  9. Exactly Henry, money is just the result of working, saving and investing. The old adage, money does not grow on trees is absolutely true.

  10. Felipe A. Paredes

    Well, this is a great issue, although it`s an American problem it may become worldwide because many samller countries depend on USA (Honduras for example). The solution is, like the article said, education, because teenagers and even mature adults dont have the discipline in how to spend their money. People tend to overuse the credit cards and use them in a bad way, they don`t save money ,and if they do it`s a small amount. Education it`s need so people learn how to finace their own money in a good way.

    Felipe A. Paredes 10 “A”

  11. Gabriela Reyes

    Thisis such an interesting article, in my opinion saving is the most important thing all hondurians must do in order to be financial stable. The crisis that is affecting the world is very serious and just saving and limiting from unnecesary spends. Taking notes about how economic and financial estability its very important to in order to have total control of your financial life.

  12. Felipe,
    Actually, this article talks about the united states, but it might as well be Honduras. This is a universal issue, not only an American issue. There are economic problems anywhere. Greece went bankrupt last year and it looks like Spain and Portugal are going bankrupt as well…

  13. Working, saving, investing. That’s the trick.

  14. Stephanie Cardona Falck

    Interesting to notice that even though the entire essay is extremely detailed as to the percentage of surveyed people concerning economics, the final message and main purpose to those who Brett Nelson is addressing to, is so simple : HELP!… People really need to open their eyes and face the reality we live in, they, well, WE need start being smart, and i do not mean knowing what the pythagorean theorem is but being economically smart. For instance, when it comes to credit cards, if you know you are irresponsible and do not want to pay the bank 60% in interests, DON’T GET ONE!

  15. Aura Orellana

    According to surveys in the U.S. especially from students, has concluded that the universities and the educational centers of High School should emphasize in one of the main theme FINANCIAL EDUCATION to students, so they can promote a culture of responsability in the management of money, set goals, gain awareness of payment obligations (loans or credit cards) that contract, adapt to a monthly budget, also promote a culture of saving and not spending more than they earned.

  16. Efrain Romero

    well this is a very interesting article, because it make us think in what kind of world we are really living. USA one of the powerful countries of the world and not that much of their population has financial knowledge, now i have a better idea of why we live like this. We are poor because of ignorance,our money is waste in things we dont need, or things we need but we dont save..
    We should do something about it because instead of getting better we will get even worst,not just honduras but a great part of america.
    I really think we should have a better financial education, and i agree that we should start here in highschool.

  17. Laritza Cardenas

    Well its an interesting article. I believe that Hondurans need to learn how to save money, i mean if people learn how to save money from a young age they will grow up to have money in the future because they wont spend the money unwisely. Not only Hondurans should do this since the whole world is living through this economic issues, everyone should spend wisely and learn to save.

    Laritza Cardenas 10B

  18. This article is mostly an alarma! to open teenagers eyes about financial iliteracy and how it affect us harshly.The one we most talk about is credit cards if theres something we have to know about financials its not to have one because there aint for helping , they might ruin your life in the other hand if you know how to use it there not problem at all you can make money out of them instead of getting a higher debt .Thats mostly by point of view and not only mine everyone that read this article should have read the IQs` of hightscool teens.
    kenneth alex. espinal enamorado

  19. I just acquired more knowledge about finance, and like the article said we need just 1 thing to stop the financial illiteracy, EDUCATION! we really need to start considering the fact that we need to learn how to manage money wisely, and distinguish from an asset and liability. But this isn’t about theory only, start acting! teenagers shouldn’t use credit cards, because they don’t have the right knowledge to use it correctly, and if they don’t pay, they lay on their parents to pay for them. Don’t let your son/daughter get a credit card to teach her how to be “Responsible” in her own, he/she is new in the real life, and need financial education. Do not try to teach him/her with experience of her own, the best way for example, is to PREVENT! prevent credit cards, prevent liabilities, prevent from wasting your savings. Another important fact is to save, but don’t just save enough money to buy something you want, like a Play Station or a Black Berry. No! save for emergencies and do me able to invest in something in the future. Well, so this is my opinion about this article, it was really interesting :D!

    – Angel Funes (Subscribe To Youtube Channel – Angelfunes9)

  20. Aura Janell Arguelles

    According to surveys in the U.S. especially students, has concluded that in the universities and the educational centers and Hight School should emphasize the main theme include FINANCIAL EDUCATION to students To promote a culture of responsability in the management of money, set goals, gain awareness of payment obligations (loans or credit cards) that contract, adjusted to a monthly budget, also promote a culture of saving and not spend more than what thet earn.

  21. Yeah felipe you have a Great point education in highschool might help the financial iliteracy . By having this type of education your future will be more succesfull.
    by the way in my last comment i wrote highcool like this Sorry about it. highschool.

  22. Rigoberto Inestroza

    All problemas have a solution and this class with help of Mr. Chavez knowledge will help us teenagers students how to affront real world like JeanCarlo said. This is an interesting article and is incredible how U.S economic is getting down. Los of people get surprised beaused all thinkos America is most powerful and rich country of the entire world but now things are not like that. Childrens are the future in Honduras and in the entire world and teaching economics techniques will helps a lot. Now I know how important is accounting class at this age, it will help us alot in our actual life and in our future life. I like this article it was interesting and I hope to get economic techniques for affront life without credit cards.

  23. I think the clue in long term for U.S or any other countries around the world gettting out of their finnacial problems is teaching young people at high school to work and teaching them to spend money wisely only in things they really need not using that much credit cards because if you dont know how to use it correctly it will get you in big trouble. People have to learn to save their money in this difficult times or have to know how to invest it correctly.

  24. Ileana Urbina

    I think that parents are involved in the mistakes that teenagers commit as much as them because if they do things the wrong way it’s because they don’t care of loosing money because at the end of the day .. their parents are the most affected . Teenagers have the chance to go to school..and if they got no money to pay school there are still community schools that teach pretty well and if we don’t learn it’s because we dont care about our future as well as our country’s future. Everything we got to do is change our attitude and stop being selfish, we should start thinking how our actions are affecting ourseleves so as others and making sure we take the right desicions,no matter if we make mistakes ,we still make something good about it and learn from them and we could still try once again and repair the damage we have caused and produce something even better than what we expected! I think we are the future of this country and we should take advantage of the chances life gives us and try to make positive changes that would help ourselves as well as the community.

  25. I think that everyone should understand that the U.S.A is in a big debt..and us like people should start to learn how to invest our money well..So that like Honduras and every country in the world would not be in the same debt as the U.S.A..

  26. Sisley Madrid:)

    This article is extremely important and interesting, in my personal opinion this is a good article and we should all need to learn how to save money. Saving money is vital for each of us, I think that every school should have a program or classes that can help you or provide you, the information that you need to have you money save. It’s sad to know that all this things happens all right in front of our eyes, U.S.A Government need to provide teenagers more information about financier, teenagers need to look out for some financial advices, we are the future of this country so Our government our our school need to provide us more importation our more advices to learn how to save money. This way we may get over our financial problems. Save money is really important

  27. Sisley,
    I see your point, but I have a question. Do you think it is the job of the government to teach kids how to save or of schools and families?

  28. Jorge the thing is , we are in probably more debt than the US!

  29. absolutely agree that financial illiteracy is a huge issue not only in Honduras but in the whole world . no matter what this problem seems to be everywhere and at anytime. Teenagers are the ones who know the least about this deal , and sadly we still dont know how to save or spend our money in the right ways . Because of this as soon teenagers are old enough to get a credit card they do and the problem just get bigger . I also wish there was some type of course that may teach us how to be a good saver and how and when to spend our money as we grow up.

  30. Ileana, I agree with you, it all starts at home!

  31. Stephanie,
    Very good. The article is written in a very academic way, but it is really asking for help. Wait until you watch I.O.U.S.A.!

  32. Economy its a big issue to talk about , base on these data the major factor to cause debts or in other words financial illiteracy its lack of knowledgement , for what i read, about 84 percent of people on the usa havent graduate from college and this is the problem how do people expect to maintain a credit card or to pay a loan if they have no knowledege on how to save money to control their financial , and what are the results of these ? failure , and this not only affect them but the country . I think that young people like in the age of 18 dont have to have access to credit cards , because these people is young they are not mature people who will think on the future , on the ¨what would happen¨. and mr chavez so true work invest and safe are the best things we can do to live on the right way .

  33. Efrain, maybe your sister can helps us out, isn’t she studying finance?

  34. Saving money. Many of us need to discipline ourselves!

  35. Gabii Santos E.

    More than instructive, DISCLOSING! It’s amazing how a country so powerful worldwide, can have such a high degree of financial illeteracy. But the truth is harsh. And of course it is logical that part of the problem, if not mostly, develops in the youth of American schools. And that is where the country’s future leaders learn and grow a personality that all American seem to possess and this is, consumerism. Consume more, and more. The problem is that, having the reputation of a country with so much power, it is obvious to think that nobody is above them. Students are taught to live in a safe, wealthy and powerful country. In which there are no reasons to have concerns because that is the country which has the power. Believing they have the “power”gives a sense of freedom. Freedom to buy whatever they want knowing that they have no way to pay. Freedom to parents to give their teanage children credit cards, and owning themselves a bunch more. People, work for their money, but dont save their effort but consume it on things that are unecessary and out of their economic range. AIt is of paramount

  36. Gabii Santos E.

    …It is of paramount importance for schools to learn their students with more education on fiancial managment topics, the older the more they should be triggered with this kind of education.

  37. Reina Paredes

    People as irresponsable as we human have made US come into an economic crisis. We learned about credit cards, starting by that starts the ignorance of humanity. Is a way to make people get in debt and waste money that they do not have. For teenagers to see whats happened is what we shouldn’t do. And we should save money, don’t waste in ineccessary things. Students of our ages should have programs or classes that introduce us into the world of bussiness and financery stuff. Is really good to know something so terrible happened to so important state as US, and the debt that they have is incredible, 14 trillion dolars is a looooot of money that actually no one believes that they are going to get out from there. We should start getting prepared to whatever it could happen, now that is thanks to our bailouts that we could balance our financiery statement. And start by never, ever using a Credit card if you don’t have the money to support it.

  38. Vilma Martinez

    This is a very interesting article, it shows us that it’s very important to know about finance. Schools should teach students how to use their money correctly and how to invest it, but they should teach it in all the schools around the world because the economic crisis is not only affecting the US, it is affecting all the countries around the wolrd and one of the main causes is the financial illiteracy.

  39. This article is doing a very important job for us: opening our eyes. In the financial crisis we are living we need to be aware of what is really happening. Just reading that Americans didn’t know what the debt amount was shows how illiterate we are about this situation. Economics is not just about money is about how to be able to use it and save some in a wise way. It is very true when they mention that school are the ones in charge to educate students in this topic, but it is also true they don’t do it. Schools should start this task since young ages; teaching how to save some of the money our parents give us. This way, future won’t catch us with our empty hands. It is all about starting now to have a better and securer future. We really don’t want to end like many undergraduates now, we should save and personally I will start saving money not to buy something later, but to have a help in the future.

  40. well..after reading this interesting theme we should start thinking or planing how we can spend our money correctly not wasting it on thing we dont even need.another reason is spending more money of what we earn..so i think saving part of what we earn will be like a life jacket for us. always thinking in future if something could happend,like loosing our job..and we should start teaching from school..:)

  41. Wilmer Moreno

    I think teenagers have to learn how to manage our money and also we have to learn how to save our money.Some people waste their money on unnecesary things instead of saving it.The most important is saving our money and dont waste it buying unnecesary things.

  42. In my opinion this article, show us how to prevent our social econimic problems cause, what i´am saying is that in our school…in all the school have to get this class of ´Economic´ so that we can learn how to save our money and use it in the right moment, of course if there is a really problem economics. We can managed our money by using metods of saving money. One is the money your parent gave you,as you say in the last class Mr. Chavez and the other is working in jobs. But this is the problem…how can we get our good jobs and get paid easily. This is one of our problems we have in our society…the missing jobs in our country…as you say we have to do something quickly because if we are having the same problems as USA…we don´t know what could happen…we need to change now!:p

  43. Jacobo Dacosta

    Every person has to have an idea of how to save money because we dont know when we would need it. Sometimes we might have an emergency…so we need to save money and dont waste it in unnecesary things. Always think in the future and not satisfy you at that moment with an unnecesary thing you might regret after wasting that money.

  44. stephanie ortez

    Is really interesting… It makes you think and brings you to reality. Many people spend money in things that don’t worth it. Every person have a diferent salary … in the States is more common to see people spend more money and don’t save anything. Don’t saving becomes a really big problem in the future, there is when you regret and wish to have extra money. Thousands of peoples now are loosing their houses because they use money the wrong way, now they can’t afford for more.

  45. Jorge Romero 10b

    While we are in school, and maybe even right after we graduate, we need to manage our money. Looking for little ways that we can save money will help us during school years and beyond.We need to learn economics to learn about financial crisis and how to manage our money.

  46. Suseth Villamil

    First of all , we are lucky to be allowed to have credit cards until 18, imagine a small country as Honduras giving a credit card to every teenager, our economic situation would probably be worst. I definitely agree that most of us are not well informed and educated about financial responsibility, we are not supposed to be guessing about the economic situation in our country , almost every person should know that countries around the world are economicly coming down. Many of these problems could be stoped by teaching teenagers about the negative effects of credit cards and how to control money, to keep a balanced budget according to what you pay and what they pay you would be a great help for a country. I do not agree with giving teenagers credit cards, remember that little time ago we were just children and when we see something we like, we dont see if we can afford it, so we purchase it but we cant realy pay it. My recomendation is to inform us (teenagers) about the benefits and the consequences of credit cards.

  47. Mónica Muñoz

    Basically the article tells us how to invest our money.In actual times, we as Hondurans do not live in what is called “reality”, we think that with a credit card you can buy everything that you want and not pay for it. Usually in this cases people end up in a bank trying to apply for a loan to pay all these bills. It’s amazing how we as community spend all this money when Honduras is a country that is underdeveloped! We need to learn what is a “want” and what is a “need” and the most important: Learn how to save your money. You never know what might happen in this country, crisis has hit Honduras roughly so we need to save the greatest amount of money possible and learn how to invest it. Doing all this you have at least a good life and live well. Our ways of thinking need to be changed to live a better life and to have a secure future.

  48. Suseth Villamil

    I definitely agree that absence of orientation and knowledge are the principal causes that lead US to its financial problem. I honestly think that it is a bad, worst a TERRIBLE idea to give us teenagers a credit card, remember that only a few years ago we were children and we didn’t care about how much was something worth, we just buy it ,but we do not really have the money to pay it. Imagine what future could be predicted for a country in which habitants ”Guess” about the debt the country has, how can we care about something if do not know about that something. In every Highschool, college, university, etc. students should be teached how to control a budget, how much to spend according to what you pay and what we are payed, implementing financial education could definitely be a TREMENDOUS help to low the rate of debts in the country.

  49. Daniela Castañeda

    Mr.Chavez, I can see what every adult sees now, & why they take so good care of their money. They don’t just go and spend it like crazy people,they save too. What happens is some people don’t absolutely know what to do with it & go to spend it in clothes, shoes, & material things; but have they really haven’t thought about this.. Will this material things save us from recession, or maybe even worse.. a bailout? The answer is pretty simple.. NO!. We, merely humans, have to learn how to save, don’t just to go & take the money out of the bank to pay some kind of debt, instead leave some money on the bank ,save it in the bank.. why, because the money you have in the bank gains a certain percentage of interest, & in a year that interest becomes maybe an amount of money that can be very helpful. My point is, our future is in our hands, & what’s our future? Whatever choice.. We can either choose to save, & be faithful that we will help our country to be a better place to live, with sustainability & financially stable; or watch our country slowly decay by spending money on useless & material things. It’s in your hands.

  50. Suseth Villamil

    Sorry for the 2 comments but in the first one my computer mysteriously shutted down …but I think both are good 🙂

  51. Isis Carias 10B

    We people need to be smarter in the way they use their money. We adolescents are still in time to cultivate a good habit about saving our money. We are the future of our country and if we keep doing things like adults are we are going to live in a more debt than they are.

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