An individual’s financial literacy and access to basic financial services affects household financial stability and may have long-term effects on financial well-being. With this Study, we have sound empirical evidence regarding which families are most vulnerable and where action is needed most. This report contains detailed information about the financial knowledge, attitudes and behaviour of Americans today. It details how Americans are trying to get by in the current economic environment, and the areas where they are in need of better information, better financial products, and better financial skills in order to prepare for the years ahead.