Youth Financial Education and Its Impact on Adult Financial Decisions

February 2026 | fdic.gov

According to a recent study (PDF) by the Federal Reserve Bank of Kansas City, students who take personal finance coursework in high school are significantly less likely to grow into adults who are unbanked. And those who remain unbanked are less likely to express disinterest in opening a bank account. In other words, early exposure to financial education doesn’t just build knowledge, it shapes confidence, encourages engagement with the banking system, and helps set young people on a more secure financial path.

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