The need for financial education in Kentucky is dire. 46% of Kentucky residents lack an emergency fund and 70% of Kentucky residents are unable to answer more than three of the five questions on a basic financial literacy quiz correctly. Kentucky ranks in the worst 20 states for financial literacy in 2022. 

Financial literacy is defined as the knowledge and application of various financial skills, including creating a budget, understanding how credit works, and saving for retirement. As the foundation for smart money management and decision making, financial literacy helps individuals, families, and entire communities be financially prepared, to plan for the future, and accomplish goals. 

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