Financial Literacy Educational Programs: Purpose, Availability, and Necessity

This thesis conducts an analysis of the status of financial literacy programs that exist within the current educational system, specifically in the United States. By researching a variety of current financial literacy programs, teaching tactics, and statistics, an inconsistent system of educational implementation and a rapidly increasing knowledge gap between individuals were identified. Financial literacy proved to be a common factor between the increasing wealth gap and the financial struggles that individuals are facing. Financial education is essential to achieving financial stability in life. Therefore, a proposal of specifically identified methods and overall improvements are provided to implement consistency and aim to equitably equip students with the necessary knowledge to succeed financially.