Tagged With "Disparity"

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Since Extension educators work with individuals and families from a broad array of racial and ethnic backgrounds, ages, genders, income levels, and educational levels, it is important to understand the impact that financial literacy disparities may have on those they are serving.

Eye-opening study, thank you for sharing. What is the best source of material for teaching each of the 8 categories measured if one wishes to tailor an educational program to address these points? According to the study the areas are: Earning—determinants of wages and take-home pay. Consuming—budgets and managing spending. Saving—factors that maximize accumulations. Investing—investment types, risk and return. Borrowing/managing debt—relationship between loan features and repayments.

Good morning, John. Great question. I am sure there are a lot of resources available that would cater to each one of these areas in depth, but there are a few resources that I personally have experience with that I think would be a good place to start, depending on your needs. Free resources: For those working with military families, the Department of Defense Office of Financial Readiness and OneOp Personal Finance are both a wealth of research-based information. University of Florida/IFAS...