May 2005, Vol. 10, No. 1
ISSN 1540 5273

How financially literate are today’s youth? Their current practices and what we need to know as educators

Laura Royer, University of Florida, Joy Jordan, Ph.D., University of Florida, Mary Harrison, University of Florida


The spending behavior of youth combined with their limited understanding of money management promotes habits that may lead to costly financial mistakes today and in the future. While youth’s financial literacy is low, their spending power is increasing. To increase financial literacy and better money management practices, educators need to understand the financial behaviors and attitudes of the current generation of youth.

This study surveyed 809 youths ranging from elementary to college age from rural and metro areas in Florida. Four parallel questionnaires were developed to address age appropriateness. Money management behaviors among the youth were assessed to target successful prevention and intervention programs. Critical findings that influence current changes in curriculum are (1) the extensive use of credit beginning among middle-school-age youth, (2) the lack of responsibility associated with money management at all ages, especially credit, and (3) youth’s limited access to educational information other than that offered by parents, whose own practices may limit the dependability as the primary information source. Full Text…

Family resource practices for families living in poverty

Trudy W. Smith, Duplin County, NC Cooperative Extension, Karen DeBord, Ph.D. North Carolina State University


Family resource management seeks to strengthen consumer abilities to build and maintain economic security. Family life educators must understand the unique circumstances of families in poverty to support them and teach strategies for maximizing resources. This paper examines family resource management practices that support educators’ knowledge and understanding of the support systems with community systems that surround families living in poverty. Full Text…

Best practices for couples education: Summary of a dialogue between researchers and educators

Ted G. Futris, Ph.D., The Ohio State University, Francesca Adler-Baeder, Ph.D., Auburn University, Katherine Dean, The Ohio State University, Jennifer M. McFadyen, M.S., Auburn University


Because the health of the couple relationship in a family is inextricably linked with the well-being of the family’s children and with the overall well-being of the family, many family and consumer scientists are beginning to focus on including couples/marital education in their program offerings. The following article summarizes a unique dialogue between leading researchers in the field of marital quality and Extension faculty/staff who focused on the research implications for key program content and implementation. Full Text…

Promoting Healthy Aging for Independence

Kenneth R. Tremblay, Jr., Ph.D., Colorado State University, Luann K. Boyer, M.S., Colorado State University


Educational efforts by the Colorado State University Cooperative Extension Gerontology Team to promote healthy aging for independence were reviewed in this article. The Gerontology Team was created in 1991 and was aligned with the university’s Gerontology Interdisciplinary Studies Program and its new Center on Aging. The development of a plan of work resulted in a number of programs offered statewide on important issues such as elder fraud, grandparents raising grandchildren, and home modifications. Workshops, fact sheets, monthly columns, and an annual newsletter have been used in these programs with positive evaluations. As the aging population increases in the U.S., demand for educational efforts to assist Americans to age in place will increase. Full Text…

Strong Women Stay Young

Reviewed by Jacquelyn W. McClelland, Ph.D., North Carolina State University. Full Text…



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