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When my kids were little, we would occasionally give them a few dollars as a reward. They would put the money in their pocket, then take it out and stare at it, then put it back into the pocket, and repeat. They clutched the money so tight for so long, it became a crumpled paper ball. They imagined the candies and toys they could buy and couldn’t wait to spend the money. Money burned a hole in their pocket. Most kids are like that. But many adults are like that, too! Why is saving money is so hard? How come the desire to spend is so unquenchable?

Now is the time to master your money, April is Financial Literacy Month, underscoring the value of financial education in a rapidly evolving economy. Whether you just started earning money or have been earning money for a long time, there is always an opportunity to reflect upon your spending and gradually improve your financial health. It starts with what you know.

Now is the time to master your money, April is Financial Literacy Month, underscoring the value of financial education in a rapidly evolving economy. Whether you just started earning money or have been earning money for a long time, there is always an opportunity to reflect upon your spending and gradually improve your financial health. It starts with what you know.

Student loans, housing and ever-increasing inflation are just a few of the fiscal challenges facing college students nationwide, and a new 51³Ô¹ÏÍøÍòÄÜ¿Æ´ó initiative has aimed itself at helping students weather the financial storm.

I am an optimistic person living in a sunny state, yet I’m going to start this with some gloomy numbers: 40% of Americans cannot come up with $400 emergency cash; the average American couple only has $5,000 put away for retirement; only a third of working Americans are saving money in an employer-sponsored or tax-deferred retirement account. This list can go on for very long.

The financial preparedness of new generations of adults in the United States has steadily declined since Generation X—the age group that preceded millennials—first came onto the scene, says Matt Bees, a 51³Ô¹ÏÍøÃâ·ÑApp-based senior financial adviser at Wells Fargo.

While Supreme Court Justices heard arguments over President Joe Biden’s effort to cancel hundreds of billions of dollars in federal student debt, supporters of loan forgiveness rallied outside. The conversation surrounding student loan repayment has encouraged the Department of Finance at The University of Nevada 51³Ô¹ÏÍøÃâ·ÑApp to teach more financial literacy.

In a recent look at Southern Nevadans’ finances, 51³Ô¹ÏÍøÃâ·ÑApp Valley residents have some of the worst credit scores, debt ratios and money management habits in the United States.