Murphy, Angela J. "Money, Money, Money: An Exploratory Study on the Financial Literacy of Black College Students." College Student Journal 39.3 (2005): 478-488. EBSCO. Web. 22 Nov. 2010. This article explores financial literacy through race, gender and age. For most people their financial literacy improves as they become older. There are an abundant amount of statistics in this piece. In order to raise awareness of financial literacy college professors have begun developing classes to teach students how to become financially independent.

Davis, Rita, Lana Carnes. "Employers Perspective of Employees Personal Financial Literacy." Delta Pi Epsilon Journal 47.1 (2005):11-19. EBSCO. Web. 22 Nov. 2010. This article talks about the importance of spending less than you earn. Many of Americans have troubles managing their accounts and using debit and credit cards. The article stresses the importance of employers helping to educated their employees to help them make sound financial decisions.

Allen, Rick. "Financial Literacy: An Imperative in Economic Hard Times." Education Update 51.2 (2009): 1-5. Ebsco. Web. 22 Nov. 2010. According to this article there has been a decline in financial literacy over the past few years. More and more schools are starting to offer finance classes at the high school level. In order to ensure students make good financial decisions in their later years it is important that parents and teachers start teaching people about finances before they are teens.

Chodkiewicz, Andrew, Betty Johnston, Keiko Yasukawa. "Educating Parents: The EvenStart financial literacy program." Journal of Literacy and Numeracy Studies 14.1 (2005): 33-47. Ebsco. Web. 22 Nov. 2010. This article talks about the benefits of parents and children working together to better understand financial literacy. It talks about different programs one can take to better understand their finances. The article also does a good job at defining specifically what financial literacy is.

Kezar, Adrianna. "Financial Literacy, a Key to Success for Low-Income Students." Chronicle of Higher Education 56.35 (2010): A26. Ebsco. Web. 22 Nov. 2010. This article talks about how people from low income backgrounds are often behind the others when it comes to financial literacy. The problem starts with education, many students are not being educated about finances. If the grant programs went through the lives of those that are from low income families would be improved.

Finkel, Ed. "A Bull Market for Financial Literacy: The Great Recession compels school districts to teach dollars and sense." Journal of District Administration 46.8 (2010): 68-74. Ebsco. Web. 22 Nov. 2010. This article talks about how some schools are teaching children about finances. Some states are starting to require that a personal finance or independent living classes be taught at the high school level. The only problem with teaching these courses is finding adequate teachers. Most states want teachers to have a business background.

Jorgensen, Bryce, Jyoti Savla. "Financial Literacy of young adults: The importance of Parental Socialization." Journal of Family Relations 59.4 (2010): 465-478. Ebsco. Web. 22 Nov. 2010. This article tests the idea that parents influence their young on topics such as finances. There are survey results that show parental influence had an impact on the students and their financial outlook. There is also an enormous influence on financial behavior and attitude.

Huston, Sandra J. "Measuring Financial Literacy." Journal of Consumer Affairs 44.2 (2010): 296-316. Academic Search Complete. EBSCO. Web. 21 Nov. 2010. This article talks about the need for people to better understand their finances and how to avoid a financial crisis. This article gives supporting facts on the number of people who are identified as financially literate and gives percentages. There are also many barriers in trying to move toward a way to measure financial literacy and talks about the importance of finding a way to measure financial literacy.

Keer, Gregory. "Financial Literacy for Kids: Money Lessons Should Start Young." Parenthood. Dominion Enterprises. n.d. Web. 18 Nov. 2010. This article talks about how fast students are getting themselves into debt, and what should be done to help kids become financially independent. The article also talks about the ways in which you can teach someone to save money.

Benard, Tara Siegel. "Working Financial Literacy in with the Three R's." The New York Times. The New York Times, 9 Apr. 2010. Web. 3 Nov. 2010. This article discuses the importance of having a financial background. There is a lot of discussion about having mandatory class at the high school level, which will help students with their finances. It will also help students become more aware of what it involved in creating a budget. There is a lot of discussion on how personal finance should be taught.