Welcome to Your Financial Foundation 

Why should you care financial literacy?

Financial literacy is one of the most impactful factors when it comes to achieving financial security, regardless of income level.

According to the 2025 TIAA Institute-GFLEC Personal Finance Index, adults with a very low level of financial literacy are:

• Two times as likely to struggle with debt

• Three times as likely to be unable to handle a $2,000 emergency

• Five times as likely to lack one month of living expenses in savings

• Eight times as likely to spend 20 or more hours a week stressed about money

Why is this website talking about it? 

The average U.S. adult can only answer 49 percent of the questions on the 2025 Personal Finance Index. And while things are improving, with 30.2 percent of high school students in 2025 required to take a personal finance class (up from 18.3 percent in 2020), the gap is still wide.

Most people enter adulthood without the basic financial skills they need to succeed. This site is here to help change that by explaining budgeting, debt management, and investing in a simple and relatable way.