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Journal of Undergraduate Research

Keywords

financial literacy, university students, financial markets

College

Marriott School of Management

Department

Finance

Abstract

My interest in financial literacy and my decision to pursue an ORCA grant in this subject began in the fall of 2007. Many remember the upheaval that devastated financial markets beginning at this time. This upheaval is not just a memory because similar economic and financial conditions continue to this day. As a casual observer of this crisis as shown on the news, I began to think. I began to think about my own finances, saving for retirement, taxes, and the job market. These thoughts never became a serious bother but I was mildly concerned. I began to realize that I seriously lacked basic financial knowledge. I had no desire to become an expert, but I did see the importance of having a basic and practical knowledge of personal finance. As I began to research and learn, I realized how little I knew. This made me wonder how much other university students knew about finance. Was I the only one who seriously lacked vital knowledge about finances or was I part of a larger trend?

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