Los estadounidenses están fallando en la educación financiera : ¿Qué podemos hacer ?

15/07/2016

Americans are failing in financial literacy: What can we do?
“A new study finds that even after the financial crisis, 63 percent of Americans are not financially literate and do not have a good grasp of how to manage their funds”.
por Roya Sabri

Publicado per The Christian Science Monitor
Fotografía de Melanie Stetson Freeman/CSM Staff/File

One would assume that the financial crisis in 2008 would lead to better financial practices in 2016, but a new report by FINRA Investor Education Foundation indicates that Americans are not saving for the long-run, even though they are on a better financial footing six years after the Great Recession, which began when a housing bubble burst in 2007 and led to years of decreased consumer spending.

In America, 18 percent are spending more than their household income; 21 percent have overdue medical bills; 32 percent are paying the minimum amount on their credit card; and 63 percent failed FINRA’s financial literacy test. What’s worse is that many Americans don’t realize how much they don’t know.

“The very people who give themselves the highest scores are engaging in behaviors that don’t reflect their perception of their ability to manage their behavior,” Gerri Walsh, president of FINRA Investor Education Foundation tells The Christian Science Monitor in a phone interview.

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“Eighty-one percent of people said that they handle their finances very well,” giving themselves a five, six, or seven out of 10, says Ms. Walsh. “But that sense of satisfaction with personal financial circumstances may well derive from an improving economy and…

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