Employees struggling with financial literacy

Adults still lack personal financial knowledge, a problem that could be addressed by better financial education in schools and by employers wanting to help employees have a more sound financial future.
That’s according to findings from a study by TIAA Institute and the Global Financial Literacy Excellence Center, which found that just 16% of Americans have a high level of personal finance knowledge and understanding, compared with 20% who had a low level of personal financial literacy.
As part of the study, more than 1,000 adults over the age of 18 answered a series of questions in eight personal finance categories — earning, consuming, saving, investing, borrowing/managing debt, insuring, comprehending risk and go-to information sources — to give researchers a closer look at how different age groups and genders handle personal finances.
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