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Visa’s Financial Literacy For Youth Month Survey

Measuring American Attitudes Towards Money Management
April 2002

1.) How many times do you think about each one during an average day?
	Spiritual or religious matters	8.8
	Your finances	8.3
	The things you eat and the number of calories you're taking in	5.3
	Politics	3.0

2.) How many times do you think about each one during an average day? (women only)
	Spiritual or religious matters	10.0
	Your finances	7.0
	The things you eat and the number of calories you're taking in	5.3
	Politics	3.0

3.) If your money management experiences were put to music, which type of song would they be?
	An upbeat rock song	57%
	A sad country tune	28%
	Unsure	15%

4.) Does the song "Help" by the Beatles describe your finances?
	Does not describe	59%
	Describes	35%
	Unsure	6%

5.) Do you have a written budget that you try to follow?
	No	68%
	Yes	41%
	Unsure	1%

6.) Do you follow a written budget closely?
	No budget	59%
	Make Modifications	27%
	Strictly followed	11%
	Not followed very closely	3%

7.) Do you use a budgeting program on a home computer?
	No	84%
	Yes	16%

8.) Do you pay any of your bills online?
	No	83%
	Yes	17%

9.) Which one would you rather do more?

	Sit down and create a budget	50%
	Watch a bad movie	41%
	Unsure/refused	9%

10.) Which of these is more difficult for you?

	Staying in good physical shape and maintaining a healthy weight	60%
	Managing your finances well	26%
	Unsure/refused	10%
	Other	4%

11.) How did you learn your most important money management lessons?
	The hard way by making mistakes	64%
	While I was young and in school	31%
	Unsure/refused	5%

12.) Have you taken a personal finance seminar or class?
	any class
	No	78%
	Yes	22%
	class sponsored by employer
	No	85%
	Yes	14%

13.) Whose money management skills do you admire the most?
	Talk show host Oprah Winfrey	23%
	Federal Reserve Chairman Alan Greenspan	22%
	Millionaire investor Warren Buffett	13%
	Writer and financial planner Suzie Ormond	9%
	Millionaire World Wrestling Promoter Vince McMahon	7%

14.) Would you be comfortable explaining how each of these works to a friend or relative?
	comfortable
	Balancing a check book	85%
	Creating a personal or family budget	73%
	Mortgages	64%
	401(k)	58%
	Term life insurance	57%
	IRA	54%
	Compounding interest	54%
	Tithing	54%
	The prime rate	49%
	Mutual funds	49%
	Mortgage points	47%

15.) Should high school students be required to take a class in practical money skills or not?
	Yes	92%
	No	7%
	Unsure/refused	1%

16.) Do you consider the following skill to be "very important" to students' future?

	very important
	Reading	98%
	Writing	89%
	Practical Money Skills	82%
	History	58%
	Physical Education	53%
	Algebra	52%
	A foreign language	37%

17.) Where do you think most adults learn the most about managing their money?
	In the school of hard knocks	81%
	In school	14%
	Unsure/refused	5%

18.) If you could give parents in America a letter grade for teaching their children practical money skills, what letter grade would you give them?
	A	5%
	B	15%
	C	46%
	D	21%
	F	11%
	Don't know/Refused	2%

19.) If you could give schools in America a letter grade for teaching their children practical money skills, what letter grade would you give them?
	A	4%
	B	14%
	C	31%
	D	26%
	F	19%
	Don't know/Refused	6%

20.) If you could grade your parents' practical money skills, what letter grade would you give them?
	A	32%
	B	33%
	C	16%
	D	9%
	F	8%
	Don't know/Refused	2%

21.) If you could grade your children's practical money skills, what letter grade would you give them?
	A	11%
	B	29%
	C	28%
	D	10%
	F	8%
	Don't know/Refused	14%

22.) If you could grade your practical money skills, what letter grade would you give them?
	A	19%
	B	49%
	C	22%
	D	6%
	F	3%
	Don't know/Refused	1%

23.) Do you read the following 5 or more times per week?
	The first section of the newspaper covering the main news of the day	58%
	The weather report	34%
	The business section of the newspaper	29%
	The sports section	27%
	The cartoons	21%
	The horoscopes	17%

24.) Did you make any New Year's resolutions covering your personal finances this year?
	No/don't know/refused	80%
	Yes	20%

25.) Are these financial New Year's resolutions still alive, or have they been broken or replaced?
	Never made resolution	80%
	Still alive	15%
	Broken or replaced	4%
	Unsure/refused	1%

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