Financial literacy is low across all generations -- the school of hard knocks is failing

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Financial literacy is low across all generations -- the school of hard knocks is failing
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When it comes to a working knowledge of finance, those with decades more experience are only slightly more literate than those in their 20s, a new study found.

Experience may be the best teacher in other walks of life, but not when it comes to retirement investing.

Read: This man is on a mission to bring personal finance classes to all high schools. Here’s the No. 1 lesson he says everyone should know These results are summarized in the accompanying chart. On average, those in Generation Z had P-Fin Index values of 42%. This number grows with each older generation, but for the oldest generation is still only 54%. Those with the most experience still were unable to answer nearly half of the financial literacy questions.

Though the researchers did not collect data on what might have caused this decline in the already-low financial literacy about risk and uncertainty, my suspicion is that a big culprit was the financial markets’ strength in the wake of the COVID-19 pandemic. It would have hardly been surprising for that pandemic and associated economic lockdowns to cause the stock market to enter an extended and punishing bear market.

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