Here's a sobering reality: most Americans are still struggling to get the basics of personal finance right. Fresh data on financial literacy reveals that the average adult scores below 50% on a national financial literacy test—and sadly, this score hasn't budged for years.

Why does this matter? Because in a world where you're expected to manage your own investments, understand crypto assets, and make smart wealth decisions, financial illiteracy becomes a real liability. When people don't grasp fundamental concepts like interest rates, risk management, or asset allocation, they're vulnerable to poor choices—whether in traditional markets or emerging digital asset spaces.

The stagnation is the real problem here. Year after year, these numbers stay flat. It's a sign that financial education systems aren't keeping up with the complexity of modern money.