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This paper focuses on the recent decline in the American and how American's saving habits are in need of change. Currently many Americans do not own stock, let alone their own home and many college students are facing credit card debt. The average American has a negative savings rating mean they spend all of their disposable income and then dip into their past savings. At least 45% of college students are in credit card debt and this number is likely to continue to rise.

This article focuses on how to use tax savings for college tuition and how to write off loan payments. The tax break is for families paying for educations costs and for those paying interest on loans. Tax payers can deduct up to $2,500 of interest paid off their taxes. Families must understand that there are many restrictions to this break such as income level and relationship to the dependent, but this is an easy way to save money and pay for college tuition.

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.