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Beverly shares the importance of improving and focusing on the expansion of financial education practices in regards to our countries youth. Students may underestimate the need for financial education. The recommendation for social workers is to encourage the incorporation of financial education in the elementary and middle school curriculums as well as high school. Beverly believes that to ensure universal access, financial education should be a mandate for high schools. The integration of financial education into school curriculums has been recommended by the U.S. Office of Financial Education.

Thaler discusses the "financial literacy crisis" facing most Americans. Today, a record number of Americans are inept when it comes to financial literacy and as a result accumulate large sums of debt and fail to plan for the future. The author explains that Americans get into trouble because current financial systems such as credit cards are not user-friendly. To counter this escalating problem, researchers believe financial programs should be created that provide consumers with basic financial knowledge and assist them in making good choices. Finally, parents must begin teaching financial literacy to their children at a young age and not keep the subject a private matter. Thaler's argument that new financial programs should be created is logical given the current crisis situation he identifies, but he fails to outline a way to do so. Norvilitis, Jill, Michelle Merwin, Timothy Osberg, Patricia Roehling, Paul Young, and Michele Kamas. " Personaility Factors, Money Attitueds, Financial Knowledge, and Credit-Card Debt in College Students." Journal of Applied Social Psychology. 36.6: 1395-1414. Academic Search Complete. EBSCO Roeschh Lib., U of Dayton. 17 March. 2009

Dugas shares that in 2004 Citigroup donated $200 million, in a 10-year program to help encourage financial literacy. With financial literacy at an all time low, and financial products continuing to be increasingly difficult to understand, their efforts were very timely. Citibank shares in the belief that it is part of the financial industries responsibility to help educate people toward financial literacy. Financial illiteracy is growing and the need to slow it down is urgent. The article also talks about Citigroup's effort to partner with organizations such as Operation Hope, giving back to the community. The commitment is a long-term investment in the community, Citigroup further encouraged their employee's to volunteer in their communities, sharing their expertise in finance which will help encourage financial literacy.

Supiano gives us a look at financial literacy programs at universities across the United States. Attracting students to attend the program did not prove difficult, but the problem is, that many sign up, but don't follow through with attending. The program intention is to help students master the basics of budgeting, saving, and not spending beyond their means. College students especially need to understand the implication of irresponsible spending since tuition, fees and housing cost continue to rise. Supiano argues that financial literacy affects student retention, productivity, and mental health. The article also discusses where the responsibility should be for providing financial education. Financial-aid offices aren't equipped to offer an in-depth and broader education in financial literacy but they try. Home continues to be the best place to start the ground work for financial literacy.

In "Using A Financial Education Curriculum For Teens" the authors explore the implementation of a financial literacy curriculum in schools. The program called "Money Talks: Should I be Listening?" is an appealing way to help educate teenagers in financial literacy. This article also has extensive research from a company called Jump$tart that proves the effectiveness of the program and financial literacy curriculum.

Morton, Heather. "Private Efforts To Help Financial Literacy." State Legislatures 33.5 (May 2007): 24-24. Academic Search Complete. EBSCO. Roesch Lib., U. of Dayton, Dayton, OH. 16 Mar. 2009.

The article focuses on the hard work of some financial institutions to help improve financial education in the U.S. These include money skills, and interative curriculum created by the American Financial Services Association Education Foundation, the Credit Union National Association, together with the National Endowment for Financial Education, and Visa, with the Federal Reserve Bank of Chicago.

Colletti,Carolyn. "Girls & Money: A Coordinated Approach to Financial Literacy." Independent School 63.1 (Fall2003 2003): 64-65. Academic Search Complete. EBSCO. Roesch Lib., U. of Dayton, Dayton, OH.14 Mar. 2009. .

Colletti discusses the coordinated approach to financial literacy for girls that was started by the National Coalition of Girls' Schools in the U.S. The article stresses the importance for woman and girls to have sound financial literacy for success. Children have an understanding of finance and fairness even at a very young age. Therefore, young children are capable of learning about financial literacy at a very early age. The article also shares results of a financial skills study of teenage girls. Financial literacy education is a tool to help bridge the gap that woman have experienced throughout the ages.

This article discusses an alternative method to the traditional education techniques for financial education. This alternative is the implementation of CD-ROMs for children fourteen years and above, that help introduce and instruct proper financial protocols. This source can be used to show the amount of concern financial literacy that is present today.

The article focuses on the hard work of some financial institutions to help improve financial education in the U.S. These include money skills, and interative curriculum created by the American Financial Services Association Education Foundation, the Credit Union National Association, together with the National Endowment for Financial Education, and Visa, with the Federal Reserve Bank of Chicago.

Davis' study of the necessity for financial literacy is interesting and examines the cost benefit ananlysis for financial literacy courses. The study is done with Texas PTA parents and their willingness to allocate additional funds for financial classes. Davis addressses the growing problem of American students and their lack of finacial knowledge. Overall a valuable article to examine the publics willingness to provide funding for financial education

Colletti discusses the coordinated approach to financial literacy for girls that was started by the National Coalition of Girls' Schools in the U.S. The article stresses the importance for woman and girls to have sound financial literacy for success. Children have an understanding of finance and fairness even at a very young age. Therefore, young children are capable of learning about financial literacy at a very early age. The article also shares results of a financial skills study of teenage girls. Financial literacy education is a tool to help bridge the gap that woman have experienced throughout the ages.

In 2007, the Oklahoma Legistalure passed a law called "The Passport to Financial Literacy Act" that requires students, beginning in the 7th grade, to demonstarate "financial proficiency in 14 areas" to acheive a high school diploma. Other schools with the help of the National Endowment Fund for Financial Education have incorporated programs to increase the levels of financial literacy among students. Critics of this program state that these prgrams are not helping the overall financial literacy levels of high school students upon completion. It is not plausable to state that these financial programs are useless, because these programs need to work in correcpendence of parents teaching their children good financial habits within their own homes.

There are ways for students to gain financial literacy and this article is mentions plans for student programs to help do this. The article talks about how some finance classes don't help a students understanding of finances, and mentions to have financial literacy it might have to begin in a person's childhood.

Green, Amy. "Push for financial literacy spreads to schools." Christian Science Monitor 101.70 (09 Mar. 2009): 13-13. Academic Search Complete. EBSCO. Roesch Lib., U. of Dayton, Dayton, OH. 14 Mar. 2009. http://search.ebscohost.com/login.aspx?direct=true&db=a9h&AN=36874111&site=ehost-live>.

Green shares the story of Roy Kobert and John Ninfo a bankruptcy attorney and bankruptcy judge who both volunteer their time teaching kids the importance of financial literacy. With the economy plummeting out of control both men have decided to be advocates for teaching financial literacy to children and young adults. Both men have seen the devastating effect that financial literacy ignorance has caused on the economy and individuals. They fear that if creditors can lure the youth into debt, our countries youth future is in jeopardy. Their goal is to stop the madness before it starts through education intervention. The article also talks about several different programs promoting financial literacy that have been implemented in different states across the country.

This article focuses on the implementation of early financial programs for young children. Financial literacy is a skill which all individuals will need throughout their life. Studies have found that individuals who received financial education in high school reported an increase up to 1.5% in their assets when compared to individuals who did not receive any education. While adding these course is certainly beneficial there are still a number of challenges. There is a cost to create such programs and some school districts are already facing budget problems.

In this article the authors discuss the reason for lack of financial literacy among young people in today's society. Their main argument for the lack of financial literacy is a student's not having motivation. Research shows that this is true for students even after taking part in a financial literacy curriculum. The authors were able to find data to back up the point that lack of motivation leads to lack of financial literacy.

Using Financial Education Curriculum for Teens Today's American teenagers are regarded as "financially illiterate," and lacking sufficient knowledge of personal finance and an understanding of money. The authors examine the effectiveness of the Money Talks program implemented in several California schools. The Money Talks program was designed to inform students about financial subjects relevant to them. The study proved the program had a positive effect on students by administering a post-test and comparing it with one taken before the course

Green shares the story of Roy Kobert and John Ninfo a bankruptcy attorney and bankruptcy judge who both volunteer their time teaching kids the importance of financial literacy. With the economy plummeting out of control both men have decided to be advocates for teaching financial literacy to children and young adults. Both men have seen the devastating effect that financial literacy ignorance has caused on the economy and individuals. They fear that if creditors can lure the youth into debt, our countries youth future is in jeopardy. Their goal is to stop the madness before it starts through education intervention. The article also talks about several different programs promoting financial literacy that have been implemented in different states across the country.

This article focuses on the financial education of American consumers. The researchers have labeled Americans as having excess debt, poor retirement planning and insufficient savings. They believe one answer to the financial problems facing Americans has to do with the amount of financial information available. In some cases credit cards provide too much information and technical terms which may confuse the consumer. On the other hand when there is too little information the consumer may not be able to make proper choices.

This is an article that describes a financial literacy program in Queensland. The company Ethical Investor has created a play to help educate students on financial literacy. In the play students learn through the main character that is successful because of his financial literacy.

The article suggests planning financial literacy programs for students. Furthermore, the author shares with the reader that that there are laws in Oklahoma, Colorado, and other states requiring high school students to show financial literacy in order to graduate. In addition the article shares that Capital One has created branch banks operated by students at several schools as well as the National Endowment for financial education has created a personal finance curriculum that can be integrated into regular school curriculum. Research suggests that personal finance courses have not improved student financial literacy. Lewis Mandell suggest that students should be taught about finance and savings at an earlier age than high school.