State of Teen Financial Literacy: Financial System Engagement and Preparedness by State Report

Teens across the U.S. are already participating in the financial system—but most don’t feel prepared to manage it. This state-by-state report reveals where financial engagement is strong, where preparedness is lagging, and how early gaps are shaping long-term financial outcomes.

What You’ll Discover
A closer look at how financial access, education, and real-world confidence vary across the country—and what those differences mean for your state.

  • How your state ranks in teen financial engagement and preparedness
  • The gap between access to financial tools and real-world confidence
  • Which states are leading—and which are falling behind
  • How early financial behaviors connect to long-term economic outcomes

Why This Matters
States with lower engagement and preparedness today are more likely to face higher unbanked populations, increased financial instability, and slower economic mobility over time. Understanding where your state stands is the first step to strengthening financial health at both the individual and community level.

Download the Report
Get the full state-by-state data, rankings, and insights to better understand where gaps exist and where there’s opportunity to drive meaningful impact.