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Just 21 states require students to take personal finance coursework to graduate high school, with only a handful mandating stand-alone classes, according to the Council for Economic Education.
Yet the access to that education remains unequal and the impact is clear. In 2019, the median wealth of Black households in the U.S. was $24,100, compared with $189,100 for white households.
As for the programs, less than 12% of students are required to take a stand-alone personal finance course to graduate high school, outside of the six states mandate it, research by Next Gen Personal Finance, a nonprofit focused on providing financial education to middle and high school students, found.