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…But Most Americans Are Failing  

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• 37% of U.S. families can’t pay an unexpected bill of $400 without going into debt.   

• Less than half of U.S. adults have enough savings to pay expenses for three months. 

• More than four in 10 younger workers are living paycheck to paycheck and thus can’t save for retirement.  

• 40% of those earning $200,000 to $300,000 annually aren’t saving for the future. 

• 46% of U.S. households have no retirement savings.  

• About 40% have less than $50,000 saved for retirement.  

• Less than 5% have $1 million+ in retirement assets. 

• Among households ages 55–64, 55% have less than $25,000 in retirement savings; 41% have zero.  

• One in three adults (36%) have more credit card debt than emergency savings.  

• 43 million U.S. adults owe an average $37,000 in student loans. Total student loan debt exceeds $1.6 trillion.  

• 25% of U.S. adults don’t know how much money they’ve saved.   

• When asked seven basic questions about personal finance, the average U.S. adult answered only 49% correctly. Only one in four adults (27%) answered at least five of seven questions correctly. 

• Only 33% of Americans have a written financial plan.   

• Only 16 states require that high school students complete a dedicated personal finance class.