TIAA×GFLEC：2025美国金融素养与退休规划能力报告：基于个人金融指数的调查结果（英文版）（36页）.pdf

1、Financial literacy and retirement fluency in AmericaPaul J.Yakoboski,TIAA InstituteAnnamaria Lusardi,Stanford University and Global Financial Literacy Excellence Center(GFLEC)Andrea Sticha,Stanford Graduate School of Business and Global Financial Literacy Excellence Center(GFLEC)Findings from the 20

2、25 TIAA Institute-GFLEC Personal Finance IndexFINANCIAL LITERACY AND RETIREMENT FLUENCY IN AMERICA 2ContentsExecutive summary 3Introduction 4Financial literacy among U.S.adults 5Demographic variations in financial literacy 8The link between financial literacy and financial well-being 14Retirement fl

3、uency 18Discussion 23References 24Appendix 25FINANCIAL LITERACY AND RETIREMENT FLUENCY IN AMERICAFINDINGS FROM THE 2025 TIAA INSTITUTE-GFLEC PERSONAL FINANCE INDEXFINANCIAL LITERACY AND RETIREMENT FLUENCY IN AMERICA 3Executive summaryMany individuals remain disadvantaged by poor financial literacy i

4、n the face of an ever-evolving personal finance landscape According to the 2025 TIAA Institute-GFLEC Personal Finance Index(P-Fin Index),financial literacy in the United States is stagnant at the generally low levels that existed eight years ago Any opinions expressed herein are those of the authors

5、,and do not necessarily represent the views of TIAA,the TIAA Institute or any other organization with which the authors are affiliated Financial literacy matters Lower financial literacy is generally associated with lower financial well-being Adults with very low financial literacy are:Twice as like

6、ly to be debt-constrained Three times more likely to be financially fragile Five times more likely to not have or be unsure whether they have one month of emergency savings Over two times more likely to spend 10 hours or more per week on personal finance issues compared with those who have very high