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Robb, Cliff A., and Deanna L. Sharpe. "Effect of Personal Financial Knowledge on College Students' Credit Card Behavior." Financial Counseling & Planning 20.1 (2009): 25-43. Academic Search Complete. EBSCO. Web. 17 Nov. 2010. This journal is based on a survey done on almost 7000 college students. The purpose was to see how they spent their Credit Card money, and what knowledge, if any, they possessed. Financial knowledge was huge in this study when it came to smart spending. However, the article also says that many college students that had a high level of intelligence when it came to financial knowledge still had large Credit Card balances. This journal article shows that even people who are educated in financial literacy still can have major Credit Card debts and problems with spending.

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.