金融知识危机
Imagine driving a car without a basic understanding of the rules of the road or even how to operate it. 可怕的思想.
Here’s another scary circumstance – one that is all too real. Many Americans are making financial decisions with minimal financial knowledge of investing, 预算, 和信贷. The TIAA Institute conducted a survey on U.S. 金融知识, asking 28 basic questions about retirement savings, 债务管理, 预算, 以及其他财务问题. The average respondent answered only about half of the questions correctly.1
Another recent survey conducted by the 人口普查 Bureau found that almost 40% of Americans say that it has been somewhat or very difficult to pay for usual household expenses in the last seven days.2
It has been said that knowledge is power, 如果这是真的, then too many Americans lack the power to control their financial futures. Financial success rarely happens by accident; it is typically the outcome of a journey that starts with education.
One of the obstacles to greater 金融知识 is the so-called “Lake Wobegon effect.换句话说, we all consider ourselves above average, 基于这个信念, it only follows that our financial understanding is above average. 不幸的是, this assumption has a flaw: it may discourage us from learning as much as we need in order to continue adapting to an ever-changing financial landscape.
The more informed we are, the more informed our financial decisions may become. Fortunately, we can consult a wide range of resources in pursuit of greater financial knowledge.
If you are committed to increasing your 金融知识, think about turning to financial professionals with your questions or visit a U.S. Treasury-sponsored website created for that very purpose.3
1.TIAAInstitute.org, 2022
2. 人口普查.政府,2023
3. My钱.政府,2023
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