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banking basics Budgeting Buying a Home Debt expenses Financial Goals getting out Income net worth ratio spending guidelines Understanding Credit

Statistics for American households

51%

Only 51% of American adults are financially literate

Marketwatch

1 in 5

Nearly 1 in 5 credit card owners are borrowing 90% or more of their available credit – 15% of these are Gen Z borrowers who have the highest delinquency rates among all other demographics

New York Federal Reserve

55%

Small businesses accounted for 55% of job creation between 2013 – 2023

Bureau of Labor Statistics

1.54%

Only 1.54% of U.S. consumers have a perfect FICO Score of 850

Experian

15.5%

Only 15.5% of homes for sale in 2023 were affordable for the typical U.S. household—the lowest share on record – down from 45% in 2020

Redfin

$1,225

The average American consumer is paying $1,225 a month in credit cards, mortgages and auto loans

Experian

1 out of 3

1 out of 3 Americans believe they’ll never own a home (38%)

Redfin

$1,506

Americans lost an average of $1,506 in 2023 due to financial illiteracy

Financial Educators Council

Next Upcoming Webinar

Smart Savings Strategies For Your Dream Vacation

It’s not just where you want to go, but also when and how

04/09/2025 1:00 pm (EST)

In this free webinar, you’ll learn:

  • How to create a “vacation budget” that doesn’t sacrifice fun for savings
  • When to travel the cheapest whether by air, sea, or land
  • How credit cards can help you save for a vacation – and while you’re on it
Register for the Webinar