Chapter 1

1. The New York Life Center for Retirement Income at the American College of Financial Services, Press Release on the RICP Retirement Income Literacy Survey, “Crash course needed: four out of five Americans fail when quizzed on how to make their nest eggs last,” December 3, 2014, available online at:

2. FINRA Investor Education Foundation, Financial Capability in the United States 2016, released July 2016, available online at:

3. Council for Economic Education, Survey of the States, Economic and Personal Finance Education in Our Nation’s Schools 2016, availble online at:

4. “A look at the shocking ...

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