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Applying an eMASS Customization Program as a Research Tool to Evaluate Consumer Benefits
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Published on: September 27, 2019

Financial Literacy in the Understanding America Study.

Marco Angrisani1, Arie Kapteyn1

  • 1University of Southern California.

Journal of Financial Literacy and Wellbeing
|March 4, 2026
PubMed
Summary
This summary is machine-generated.

The Understanding America Study (UAS) tracks financial literacy over time using surveys and linked data. Higher financial knowledge correlates with better financial outcomes like wealth and retirement preparedness.

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Area of Science:

  • Social Sciences
  • Economics
  • Survey Methodology

Background:

  • Financial literacy measurement in surveys has evolved.
  • The Understanding America Study (UAS) has administered financial literacy questions since 2014.
  • The UAS is a longitudinal panel with extensive data on participants.

Purpose of the Study:

  • To describe the UAS financial literacy measures.
  • To analyze patterns of financial literacy over time and by demographics.
  • To examine associations between financial literacy and financial outcomes.

Main Methods:

  • Descriptive analyses of financial literacy data from the UAS.
  • Linking survey data with administrative records for consenting participants.
  • Utilizing the longitudinal nature of the UAS for temporal analysis.

Main Results:

  • Descriptive patterns of financial knowledge over time and across individual characteristics are presented.
  • Financial literacy scores are associated with financial outcomes such as wealth and retirement preparedness.
  • The UAS dataset allows for in-depth analysis of financial literacy and its correlates.

Conclusions:

  • The UAS provides a valuable resource for studying financial literacy.
  • Financial literacy is linked to important financial behaviors and outcomes.
  • Longitudinal data and linked administrative records enhance understanding of financial literacy dynamics.