Financial Literacy and Retirement Fluency: New Insights for Improving Financial Well-Being

The TIAA Institute-GFLEC Personal Finance Index (P-Fin Index), now in its eighth year, annually assesses financial literacy among U.S. adults and examines the relationship between financial literacy and financial well-being. In addition to a robust measure of overall financial literacy, the P-Fin Index provides a nuanced analysis of personal finance knowledge across eight areas in which individuals routinely function. For the first time, the 2024 P-Fin Index also assessed basic retirement fluency, i.e., knowledge that promotes financial well-being in retirement.

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