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This webpage features a collection of success stories on the implementation of the Money Smart financial education program, including potentially promising or model approaches.

During 2011 and part of 2012, the FDIC conducted a second nationwide survey of FDIC-insured depository institutions to assess their efforts to serve unbanked and underbanked individuals and families. This survey focuses on banks' basic transaction and savings account programs, auxiliary product and service offerings, financial education and outreach efforts, and perceived challenges as obstacles in offering financial products and services to unbanked and underbanked consumers.

This article summarizes results from the FDIC's Model Safe Accounts pilot, which was launched to determine the feasibility of banks offering affordable transaction and savings accounts to bring more individuals into the financial mainstream.

The official benefits website of the U.S. government informs citizens of benefits they may be eligible for and provides information on how to apply for assistance. Find more than 1,000 Federal and state benefits including housing, food/nutrition, education, grants/loans, disaster relief and Medicare/Medicaid.

In consultation with the U.S. Department of the Treasury and President Bush's Advisory Council on Financial Literacy, the FINRA Investor Education Foundation commissioned the first national study of the financial capability of American adults in 2009. The overarching research objectives of the National Financial Capability Study were to benchmark key indicators of financial capability and evaluate how these indicators vary with underlying demographic, behavioral, attitudinal and financial literacy characteristics. The 2012 Study—similarly developed in consultation with the U.S.

The Make Your Path (MY Path) initiative provides disadvantaged youth with peer-led financial capability trainings, a savings account at a mainstream financial institution and incentives to set and meet savings goals. The program focuses on youth earning their first paycheck—a critical “teachable moment” to promote savings and connect youth with mainstream financial products.

If you are an employee, the Withholding Calculator can help you determine whether you need to give your employer a new Form W-4, Employee's Withholding Allowance Certificate to avoid having too much or too little Federal income tax withheld from your pay. You can use your results from the calculator to help fill out the form.

Use savings bonds to plan for your financial future.

Estimate Your Social Security Retirement Benefits Online. The Retirement Estimator is tied to a person’s actual Social Security earnings records and eliminates the need to manually key in years of earnings information.

Increased policy and academic attention has been placed on promoting retirement savings early in the life course. This study investigates the extent to which retirement savings behavior among young persons, a population for which retirement savings is important but typically low, differs by marital status. We draw national survey data on young adult households (ages 22 – 35; N = 3,894) from the U.S. Federal Reserve Board’s Survey of Consumer Finances (SCF). Results reveal considerable differences by marital status.