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The 2026 Money Confidence Roadmap

A year-long guide to easing financial stress, improving credit, and regaining control over debt

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Budgeting

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Taxes

The ABCs of the IRS: Taxes made simple

No one likes paying taxes. No one likes thinking about taxes. Here’s how to save money (and aggravation) in just a few minutes.

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Statistics for American households

51%

Only 51% of American adults are financially literate

Marketwatch

1 in 5

Nearly 1 in 5 credit card owners are borrowing 90% or more of their available credit – 15% of these are Gen Z borrowers who have the highest delinquency rates among all other demographics

New York Federal Reserve

55%

Small businesses accounted for 55% of job creation between 2013 – 2023

Bureau of Labor Statistics

1.54%

Only 1.54% of U.S. consumers have a perfect FICO Score of 850

Experian

15.5%

Only 15.5% of homes for sale in 2023 were affordable for the typical U.S. household—the lowest share on record – down from 45% in 2020

Redfin

$1,225

The average American consumer is paying $1,225 a month in credit cards, mortgages and auto loans

Experian

1 out of 3

1 out of 3 Americans believe they’ll never own a home (38%)

Redfin

$1,506

Americans lost an average of $1,506 in 2023 due to financial illiteracy

Financial Educators Council

Next Upcoming Webinar

Understanding Buy Now, Pay Later: Benefits, Risks, and Best Practices

Don’t let ”Pay Later” turn into ”Pay More” – enjoy flexible terms without racking up debt.

09/09/2026 1:00 pm (EST)

In this free webinar, you’ll learn…

  • The advantages of Buy Now, Pay Later for flexible budgeting and interest-free financing
  • Potential pitfalls like late fees, overspending, and credit impact
  • How to read the fine print and sync BNPL payments with your budget
Register for the Webinar