Financial Literacy among young Americans has been a focus of the Jump$tart Coalition since its inception in 1995. The coalition consists of 49 affiliate state organizations. Jump$tart’s mission is improving the financial smarts of students. Each state can choose their own method of accomplishing the mission; some require high-school students to take a personal finance class before graduation, some incorporate fundamentals into existing course work and others make personal finance education available as an elective. With all the great work you’d think that students would fare better than the most recent Coalition’s 2008 survey. The results show that financial literacy of high school students has fallen to its lowest levels ever with a score of just 48.3 percent (http://bit.ly/cB8qGb). On the brighter side, college graduate scores are improving, averaging 64.8 but a majority of students do not graduate and are therefore not counted in this average. You may be asking yourself, so what’s the problem?