Where and when during childhood and adolescence do people acquire the
foundations of financial capability? The Consumer Financial Protection Bureau (CFPB)
researched the childhood origins of financial capability and well-being to identify those roots
and to find promising practices and strategies to support their development. This report, “Building blocks to help youth achieve financial capability: A new model and
recommendations,” examines “how,” “when,” and “where” youth typically acquire critical
attributes, abilities, and opportunities that support the development of adult financial capability
and financial well-being.