1 Organization for Economic Cooperation and Development.  OECD/INFE 2020 International Survey of Adult Financial Literacy. 2020: p.35.
 
2 Council for Economic Education.  Survey of the States.  2022: p. 9, 11.
 
3 Greenlight.  Survey conducted between February 26-March 2, 2021.  Accessed 2/13/23.
 
4 Lending Club Corporation. (2022, August 1).  The Number of Consumers Living Paycheck to Paycheck Has Increased Year-Over-Year Across All Income Levels [press release].
 
5 Federal Reserve.  Economic Well-Being of U.S. Households in 2020 - May 2021.  Accessed 2/13/23.
 
6 Comoreanu, A. (2023, January 4).  Credit Card Debt Study.  WalletHub.