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Gen Z's Financial Literacy Crisis: Experts Warn of Uncertain Future

Q: What percentage of Gen Z Americans don't understand cryptocurrency?

According to the article, nearly half (46%) of Americans aged 18 to 27 admit they don't understand cryptocurrency.

Q: How many states now require high school students to complete a personal finance course before graduation?

The article states that 30 states now require high school students to complete at least one semester-long personal finance course before graduation, up from 17 in 2022.

16 Nov

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Summary

Nearly half of 18-27-year-olds don't understand cryptocurrency
One-third unsure about inflation, interest rates, and dollar value
Programs aim to teach high school students real-world money management

Gen Z's Financial Literacy Crisis: Experts Warn of Uncertain Future

As of November 16th, 2025, a concerning trend has emerged regarding the financial literacy of Generation Z. According to a recent study, nearly half (46%) of Americans aged 18 to 27 admit they don't understand cryptocurrency, while a third are unsure about inflation, interest rates, and 8% couldn't correctly identify how many cents are in a dollar.

Experts warn that this lack of financial knowledge could have serious implications for Gen Z's future, especially as the cost of living continues to rise and programs like Social Security face uncertainty. In response, the number of states requiring high school students to complete a personal finance course before graduation has increased from 17 in 2022 to 30 as of this year.