Teens and money
Research briefs on how teenagers earn, spend, save, and learn about money.
Research briefs
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Founder notes
Founder note
Youth financial capability now leads the federal financial literacy strategy. State and local governments still play the key role in the classroom.
The 2026 National Strategy for Financial Literacy lists youth financial capability first among its four priorities. What it commits to, where states keep a key role, and what a parent can use from it today.
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Teens and money
Founder note
A money education app for teenagers is now open to the public. Three problems it was built to fix.
FinBizify, a money education app for teenagers, opened to the public on October 8, 2026. Here are the three problems it was built to fix and what comes next.
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Teens and money
Founder note
Americans rate schools at a record low. They rate critical thinking lowest of all.
Gallup's 2026 poll puts satisfaction with K-12 schools at a 27-year low, with critical thinking rated lowest. What changed since 2019, and what parents can actually do about it.
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Teens and money
Founder note
When school doesn't teach it, family wealth does.
In the U.S., financial literacy tracks family income, and so does access to the class meant to close the gap. Pew and NGPF data on who gets left behind.
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Teens and money
Founder note
The Education Department set one test for edtech: does it improve learning? A family can apply it today.
The U.S. Department of Education's new edtech guidance says school software should be judged by whether it improves learning rather than by screen time or logins, and it hands the same test to families.
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Teens and money
Founder note
A new exam can standardize content but can't staff the classroom.
WSJ readers picked apart a new AP exam's sample quiz by the hundreds, but federal data shows the deeper problem: business and career-technical education classrooms nationwide are short on teachers.
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Teens and money
Founder note
Two lotteries decide what a teenager learns about money
A teenager's financial education is decided twice by chance: once by which school they attend, once by an algorithm. What the evidence says about both halves.
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Teens and money
Founder note
39 states require it now. Few can tell you if it's working.
39 states now require personal finance to graduate, up from 21 in 2020. What the evidence says about whether that seat time is actually changing behavior.
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Teens and money