Podcasts about Annamaria Lusardi

Only a third of the global population is financially literate. Why? Because most of us don't learn the basics of personal finance in school — or elsewhere. Treating financial literacy as an afterthought can have serious consequences, from personal calamities to economic crises, according to Annamaria Lusardi, a professor of finance and the director of the Initiative for Financial Decision-Making at Stanford Graduate School of Business. On this episode of If/Then, Lusardi makes the case for treating financial education like preventative care: essential, cost-effective, and an enormous opportunity to improve people's lives, boost workplace performance, and strengthen economic resilience. “We should learn about money as soon as possible,” Lusardi says. “As soon as the tooth fairy comes.”Where do you go for financial advice? Tell us more at ifthenpod@stanford.edu.This episode was recorded on November 5, 2024.Related Content:Annamaria Lusardi faculty profileOn a Mission to Teach the World the Basics of Personal FinanceSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We need financial literacy to make good financial decisions. But did you know that half of Europeans have low financial literacy levels, and that 60% of them are women? Our host Stefania Secola talks to Annamaria Lusardi from Stanford University about what financial literacy is, why it matters and how we can improve it, especially among women. The views expressed are those of the speakers and not necessarily those of the European Central Bank. Published on 13 March 2025 and recorded on 7 March 2025. In this episode: 00:01 Commitments made by central banks How did central bank Governors commit to improving financial literacy in their respective countries? What are the desired outcomes? 00:27 Looking at the numbers How financially literate are Europeans? How big is the gap between men and women? And what can we do about it? 01:55 Financial literacy defined What is financial literacy? How does it relate to financial independence? 03:58 Measuring financial literacy There are three simple questions, known as the “Big Three”, that experts use to measure financial literacy. Can you, our listener, answer them? 05:59 Why central banks care about financial literacy Why does financial literacy matter for central banks? How does it relate to the effectiveness of monetary policy and trust in what a central bank does? And how does it affect banking supervision? 10:53 Financial knowledge in Europe Why is financial literacy in Europe so low? What can we do to increase the overall level of financial literacy among Europeans? 12:30 When to start addressing financial literacy When is the best time to improve people's financial literacy? Is it limited to schools or are there also other teachable moments? 15:50 The gender gap in financial literacy Why is there this gender gap and why is it a problem? What can we do to make sure that half the population isn't left behind? 20:14 The role of fintech Does fintech complement financial literacy? What risks do gender differences in digital literacy pose when it comes to using fintech? 22:26 The road ahead Central banks made five commitments to improve financial literacy. What are these commitments? 24:50 Financial literacy question: answer revealed We answer the first “Big Three” question. Listen and see whether you chose the correct answer! 25:45 Our guest's hot tip Annamaria shares her hot tip with our listeners. Further reading: Annamaria Lusardi's research https://www.annamarialusardi.com/research/ ECB International Women's Day Event 2025 https://www.ecb.europa.eu/press/conferences/html/20250307_intl_womens_day.en.html The ECB Blog: The gender gap at work is closing – but slowly https://www.ecb.europa.eu/press/blog/date/2025/html/ecb.blog20250307~85fd774bd3.en.html The “Big Three” and “Big Five” https://gflec.org/education/questions-that-indicate-financial-literacy/ Chart: Gender gap in financial literacy is pervasive, incl. the young, well educated and high income https://www.youtube.com/watch?v=ZvVzgcXCFBw&t=222s ECB Instagram https://www.instagram.com/europeancentralbank/ European Central Bank www.ecb.europa.eu ECB Banking Supervision https://www.bankingsupervision.europa.eu/home/html/index.en.html

On today's episode we hear a rebroadcast of the 2025 UMBC Mullen Lecture, sponsored by UMBC's Center for Social Science Scholarship and the UMBC Department of Economics. This year's lecture was delivered by Dr. Annamaria Lusardi. Dr. Lusardi is Senior Fellow at the Stanford Institute for Economic Policy Research, Director of the Initiative for Financial Decision-Making, and Professor (by courtesy) at the Stanford Graduate School of Business. Dr. Lusardi's remarks take up the question of financial literacy among ordinary people around the world. In the talk, we learn about how much people know about personal finance, who is most vulnerable to economic predations due to their lack of financial literacy, and what we can do about it.  Check out the following links for more information on UMBC, CS3, and our host: The UMBC Center for the Social Sciences Scholarship The University of Maryland, Baltimore County Ian G. Anson, Ph.D. Retrieving the Social Sciences is a production of the UMBC Center for Social Science Scholarship.  Our podcast host is Dr. Ian Anson, our director is Dr. Eric Stokan, and our production intern is Jean Kim.   Our theme music was composed and recorded by D'Juan Moreland.  Special thanks to Amy Barnes and Myriam Ralston for production assistance.  Make sure to follow us on LinkedIn, Twitter, Facebook, Instagram, and YouTube, where you can find full video recordings of recent UMBC events.

In today's episode, Cameron sits down with Mark McGrath to talk about his trip to Trondheim, Norway, the event he attended there, and his presentation in which he shared top lessons from prestigious Rational Reminder Podcast guests. Tuning in, you'll hear Cameron's top takeaways from conversations with Nobel laureate Eugene Fama and his collaborator Kenneth French, as well as Robert Merton, Antti Ilmanen, Professor Ludovic Phalippou, and more. We also delve into the changing industry trends regarding index investing and the many benefits that come with embracing it, including how it helps financial advisors better serve their clients. Stay tuned for our after-show section, where we discuss advice for new advisors, from developing a robust investment philosophy to building a network, along with insights to help consumers navigate the industry and much more. To learn all about Cameron's trip to Norway, top guest takeaways, and industry trends around index investing, be sure to tune in!   Key Points From This Episode:   (0:01:13) An overview of today's episode and a discussion on industry trends. (0:03:56) Our conversation with Håkon Kavli on managing Reitan Kapital. (0:04:38) What it was like for Cameron to meet Håkon Kavli and Magnus Reitan in Norway. (0:05:42) The excellent event in Trondheim, Norway, and their impressive lineup of speakers. (0:08:56) Unpacking industry trends in index investing and why more people are embracing it. (0:09:42) The light bulb moment for Mark and Cameron regarding index investing. (0:19:07) Highlights from our interviews with Eugene Fama, Ken French, and Robert Merton. (0:25:28) Dr. Annamaria Lusardi's insights and takeaways from our John Cochrane interview. (0:29:05) Top lessons from our conversation with Antti Ilmanen on low-expected returns. (0:30:58) Insights from talking with Professor Ludovic Phalippou about private equity. (0:32:22) Closing thoughts on Cameron's presentation in Norway and index investing trends. (0:39:44) Our aftershow segment: advice for new advisors, ways the industry has changed, tips for consumers, technology insights, personal updates, and more.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemindRational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Mark McGrath on LinkedIn — https://www.linkedin.com/in/markmcgrathcfp/ Mark McGrath on X — https://x.com/MarkMcGrathCFP Episode 321: Evidence in Practice with Håkon Kavli – https://rationalreminder.ca/podcast/321 Professor Marcos López de Prado — https://www.orie.cornell.edu/faculty-directory/marcos-lopez-de-prado Erik Hilde — https://www.linkedin.com/in/erik-hilde-9570a785/?originalSubdomain=no Dan Bortolotti — https://www.canadianmoneysaver.ca/authors/dan-bortolotti Canadian Couch Potato Blog — https://canadiancouchpotato.com/ Canadian Couch Potato Podcast — https://canadiancouchpotato.com/podcast/ Justin Bender — https://www.linkedin.com/in/justin-bender-cfa-cfp%C2%AE-tep-195b8b27/?originalSubdomain=ca Episode 200: Prof. Eugene Fama — https://rationalreminder.ca/podcast/200 Tune Out the Noise — https://www.dimensional.com/film Episode 100: Prof. Kenneth French — https://rationalreminder.ca/podcast/100 Episode 234: Prof. Robert C. Merton — https://rationalreminder.ca/podcast/234 Episode 232: Dr. Annamaria Lusardi — https://rationalreminder.ca/podcast/232 Episode 169: Prof. John Cochrane — https://rationalreminder.ca/podcast/169 Episode 202: Antti Ilmanen – https://rationalreminder.ca/podcast/202 Episode 210: Prof. Ludovic Phalippou — https://rationalreminder.ca/podcast/210 Fama and French Three Factor Model — https://www.investopedia.com/terms/f/famaandfrenchthreefactormodel.asp Books From Today's Episode: Investing Amid Low Expected Returns — http://www.aqr.com/serenity The Empowered Investor — https://www.amazon.ca/Empowered-Investor-Canadian-Investment-Experience/dp/0991978307  

In the latest episode of our Teach Economics podcast,  Annamaria Lusardi, faculty director of the Initiative for Financial Decision-Making at Stanford University, talks about her career journey and passion for teaching personal finance education. “When the tooth fairy comes is the time to talk about money,” she says. “Give a piggy bank to a child and you will instantly turn (the child) into a clever banker. I enjoy empowering people with the knowledge and skills that are so important today. I really do think I am empowering the student to be able to navigate the world around them.”

Annamaria Lusardi"Il sapere che conta"Mondadori Editorewww.mondadori.itFestival Internazionale dell'Economia, TorinoSabato 1° giugno 2024, ore 19:00"Il sapere che conta" con Annamaria LusardiÈ così importante risparmiare? Quali sono gli errori da evitare quando si decide di investire? Cosa si deve sapere prima di chiedere un mutuo? Considerando costi e benefici, è preferibile continuare a studiare dopo la scuola dell'obbligo, investendo in istruzione e formazione, o andare subito a lavorare?Nella vita di tutti i giorni, siamo chiamati a prendere decisioni che influenzano il nostro benessere finanziario. Tuttavia è un tema di cui non si discute abbastanza, e la finanza rimane per molti un argomento astratto o troppo complesso.Annamaria Lusardi, economista e docente alla Stanford University, ha dedicato oltre vent'anni allo studio dell'alfabetizzazione finanziaria e della finanza personale. Con questo libro, scritto in modo chiaro e accessibile, mira a far comprendere al lettore di ogni età i concetti fondamentali, aiutandolo a gestire il proprio denaro e a raggiungere i propri obiettivi: da come far quadrare i conti a come essere preparato di fronte agli imprevisti, all'acquisto di una casa o all'avvio di un'attività autonoma.Il sapere che conta è un autentico percorso che, partendo dalla domanda fondamentale «Quale futuro voglio costruire?», ci guida in un viaggio attraverso una serie di concetti chiave, dal risparmio agli investimenti, dall'inflazione al tasso di interesse, dai debiti vantaggiosi a quelli svantaggiosi. Il libro offre esempi e casi pratici per aiutarci a prendere decisioni informate, imparando a sfruttare il fattore tempo, il nostro più potente alleato. Ricordando che non esistono formule magiche, ma che ogni scelta comporta rischi oltre che opportunità, e soprattutto che solo la conoscenza ci aiuta a «mettere i soldi in tasca».Annamaria Lusardi è un'economista e docente di Finanza alla Stanford University, dove dirige un centro dedicato all'educazione finanziaria. È considerata una delle esperte mondiali nel campo dell'alfabetizzazione finanziaria e della finanza personale. Consulente del Dipartimento del Tesoro degli Stati Uniti durante l'amministrazione Obama, dal 2017 al 2023 è stata la direttrice del Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria in Italia. Dirige inoltre il Comitato di ricerca dell'International Network on Financial Education dell'Organizzazione per la cooperazione e lo sviluppo economico (OCSE). Ha ricevuto molti premi e riconoscimenti per il suo lavoro di ricerca e promozione dell'educazione finanziaria nel mondo. Nel 2019 è stata inclusa nella lista «Forbes» delle 100 donne di successo in Italia. Nel 2020 è stata insignita del premio MPW, Most Powerful Women, da «Fortune» Italia.IL POSTO DELLE PAROLEascoltare fa pensarewww.ilpostodelleparole.itDiventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.

In questa puntata di Due di denari abbiamo il piacere di accogliere nei nostri studi Annamaria Lusardi, economista e docente alla Stanford University, che abbiamo conosciuto - e coinvolto in tante occasioni - come direttrice dal 2017 al 2023 del Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria. Il 7 maggio è uscito, per Mondadori, il suo libro Il Sapere che conta, che oltre ad essere il frutto dell’esperienza alla guida del Comitato, è la sintesi di un'intera vita accademica dedicata alla diffusione della consapevolezza su questi temi.

Scientific Sense ® by Gill Eapen: Prof Annamaria Lusardi is Professor of Finance at Stanford University. She is also Senior Fellow at the Stanford Institute for Economic Policy Research (SIEPR), and the Director of the Financial Freedom Initiative, a collaboration between SIEPR, the Graduate School of Business (GSB), and the Economics Department at Stanford University. Please subscribe to this channel: https://www.youtube.com/c/ScientificSense?sub_confirmation=1 --- Send in a voice message: https://podcasters.spotify.com/pod/show/scientificsense/message Support this podcast: https://podcasters.spotify.com/pod/show/scientificsense/support

This week we welcome back return guest Preet Banerjee, a renowned speaker, personal finance expert, consultant, and author of Stop Overthinking Your Money. Listeners may remember Preet from his previous appearance on the show back in 2019 when he was first embarking on his doctoral journey. Several years and one pandemic later, Preet has finally made it through the monumental task of completing his dissertation! We spend today's conversation with Preet getting into the fascinating details of his research which interrogates the value of financial advice within households and explores the pressing question of whether it's worth getting it. Preet provides a comprehensive overview of the current state of financial planning and shares his most intriguing findings before unpacking the policy and regulatory recommendations that emerge from his research. The latter part of the show includes our Mark to Market segment with Mark McGrath, where this week, he delivers key insights on retirement savings plans (RSPs) and why he believes RSPs are actually tax-free. You'll also hear our reflection on our past conversation with Colonel Chris Hadfield, paired with a book review of Kevin Kelly's Excellent Advice for Living: Wisdom I Wish I'd Known Earlier. Join us for an expansive episode on the value of financial advice along with timely insights on what truly matters in life! Key Points From This Episode:   (0:03:34) Background on today's guest, Preet Banerjee, and the focus of his research: the value of financial advice to households and whether it's worth getting it.  (0:06:29) Key problems with past research attempting to demonstrate the value of financial advice (including the portfolio-centric advice model).  (0:10:47) A review of the existing literature on the value of financial advice; the gap in the literature that his research is addressing.   (0:16:27) How Preet measured holistic wealth scores and comprehensive financial confidence in his research and the dataset he based his research on. (0:21:26) What Preet took into account to determine who were DIY investors within his sample and which advice channels they use.  (0:28:27) The study of financial planning, shortcomings within the field, and some of the positive developments in recent years.  (0:30:00) Informative takeaways regarding advice channels, investable assets, and having a financial plan.  (0:36:30) How Preet approached his data, the progressive regression model he developed, and what it demonstrates about key topics in his research.  (0:47:36) How wealth allows you to access better financial advice versus the options available to you if you're in the mass market.  (0:49:48) Learn about the policy and regulatory recommendations that emerge from Preet's research.  (0:56:04) Preet's advice to listeners and DIY investors and what's next for his research.  (01:05:17) Our Mark to Market segment with Mark McGrath and his insights of everything you need to know about retirement savings plans (RSPs). (01:18:02) A recap and review of Episode 266 where we talk with Colonel Chris Hadfield and why it's worth the listen.  (01:20:39) Hear our review of the book, Excellent Advice for Living: Wisdom I Wish I'd Known Earlier by Kevin Kelly.  (01:25:34) Our after-show section; Find out what we have coming up and how to attend our upcoming meet and greet.    Join our live event “Finding and Funding a Good Life”: https://us06web.zoom.us/webinar/register/8516942588679/WN_gv6EVyCCRpaXCrnWAZUrLA   Links From Today's Episode: Preet Banerjee — https://www.preetbanerjee.com/ Preet Banerjee on LinkedIn — https://www.linkedin.com/in/preetbanerjee/ Preet Banerjee on X — https://twitter.com/preetbanerjee Preet Banerjee on YouTube — https://www.youtube.com/c/preetbanerjee Preet Banerjee at The Globe and Mail — https://www.theglobeandmail.com/authors/preet-banerjee/ Episode 53: Preet Banerjee — https://rationalreminder.ca/podcast/53 Episode 226: Colonel Chris Hadfield — https://rationalreminder.ca/podcast/226 Excellent Advice for Living: Wisdom I Wish I'd Known Earlier — https://www.amazon.com/Excellent-Advice-Living-Wisdom-Earlier/dp/0593654528 Episode 232: Dr. Annamaria Lusardi — https://rationalreminder.ca/podcast/232 Episode 188: Prof. Ayelet Fishbach — https://rationalreminder.ca/podcast/188 Episode 224: Prof. Scott Cederburg — https://rationalreminder.ca/podcast/224 Rational Reminder Continuing Education — learn.rationalreminder.ca Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Spotify — https://open.spotify.com/show/6RHWTH9iW7hdnA7eAg7ukO Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://twitter.com/RationalRemind Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/  Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://www.pwlcapital.com/profile/cameron-passmore/ Cameron on X — https://twitter.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/  

Le famiglie italiane intaccano le riserve accumulate negli anni della pandemia e nei primi quattro mesi del 2023 hanno eroso oltre 25 miliardi di euro della liquidità depositata sui conti correnti bancari. Ma come si stanno comportando le banche con i tassi di interesse attivi sui nostri conti? Lo chiediamo a Donato Todisco, esperto di Altroconsumo.Cresce la domanda di educazione finanziaria delle famiglie italiane: è ormai chiaro che gli italiani la vogliono a scuola, sul posto di lavoro e nei luoghi ricreativi. E' quanto emerge dai dati del Rapporto Edufin 2023 che ci presenta oggi Annamaria Lusardi, direttrice del Comitato per l'educazione finanziaria.

Gaining financial literacy is critical if you want to thrive in today's society. And yet, only about a third of the global population can be described as being financially literate. Joining us today to unpack the concept of financial literacy and its impact is Dr. Annamaria Lusardi, Professor of Economics and Accountancy at George Washington University. Dr. Lusardi has taught Economics for over 20 years, and her passion for financial literacy is reflected in everything she does. Her career has been instrumental in furthering the cause of increased global financial literacy, from being the Founder and Academic Director of the Global Financial Literacy Excellence Center, to serving as the co-chair of the G53 Financial Literacy and Personal Finance Research Network. In our conversation, Dr. Lusardi breaks down the definition of financial literacy, how it's measured by leading experts across the world, along with some of the key differences we see between people in richer and poorer countries. She explains why financial advice isn't a replacement for financial literacy and provides guidance on what we should be doing to educate various population groups. We also discuss how global trends have created an increased need for financial literacy as an essential skill, especially for young people, and why greater global financial literacy is beneficial to everyone, including governments and wealthier individuals. Tune in as we delve into the many facets of financial literacy and the important role it plays in our collective health, happiness, and success!   Key Points From This Episode:   Lusardi defines the concept of financial literacy and the importance of being able to apply it as a skill. (0:04:30) How experts measure financial literacy and some of the key challenges involved. (0:07:55) The global survey that was conducted on financial literacy in 2014 and its dismal findings. (0:11:44) The areas of financial literacy that people struggle with most and why the need for financial literacy has increased over time. (0:15:26) The costs and benefits of gaining financial literacy and the concept of optimal financial knowledge. (0:22:42) An overview of the type of person who should be investing in financial literacy and why. (0:27:46) How the strength of your government's social safety net affects financial literacy rates. (0:30:15) The extent to which financial literacy affects stock market participation and wealth accumulation. (0:31:18) Some of the common mistakes that those with low levels of financial literacy tend to make. (0:35:10) Why financial literacy's end goal should be geared towards happiness and living a good life. (0:39:24) The impact that financial advice and financial advisors have on economic outcomes. (0:43:18) How financial literacy varies across demographic groups and some of the factors that account for disparities in financial literacy. (0:45:42) How financial education programs can yield positive results and where this education should take place for it to be optimal. (0:52:13) What listeners can do to increase financial literacy for those around them and why there is no alternative to good financial knowledge. (0:58:55)     Participate in our Community Discussion about this Episode:   Links From Today's Episode: Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/ Shop Merch — https://shop.rationalreminder.ca/ Join the Community — https://community.rationalreminder.ca/ Follow us on Twitter — https://twitter.com/RationalRemind Follow us on Instagram — @rationalreminder Benjamin on Twitter — https://twitter.com/benjaminwfelix Cameron on Twitter — https://twitter.com/CameronPassmore Dr. Annamaria Lusardi — https://www.annamarialusardi.com/ 'Financial literacy and financial resilience: Evidence from around the world' — https://onlinelibrary.wiley.com/doi/abs/10.1111/fima.12283 'The Economic Importance of Financial Literacy: Theory and Evidence' — https://gflec.org/wp-content/uploads/2014/12/economic-importance-financial-literacy-theory-evidence.pdf 'Optimal Financial Knowledge and Wealth Inequality' — https://www.journals.uchicago.edu/doi/10.1086/690950 'Financial literacy and stock market participation' — https://www.sciencedirect.com/science/article/abs/pii/S0304405X11000717 'Employee Financial Literacy and Retirement Plan Behavior: A Case Study' — https://onlinelibrary.wiley.com/doi/abs/10.1111/ecin.12389 'Skating on thin ice: New evidence on financial fragility' — https://www.dnb.nl/media/uxldldkl/working-paper-no-670_tcm47.pdf 'Stereotypes in financial literacy: Evidence from PISA' — https://www.sciencedirect.com/science/article/abs/pii/S0929119920302753?via%3Dihub 'Fearless Woman: Financial Literacy and Stock Market Participation' — https://gflec.org/wp-content/uploads/2021/03/Fearless-Woman-Research-Final.pdf?x53868 'How Financially Literate Are Women? An Overview and New Insights' — https://onlinelibrary.wiley.com/doi/abs/10.1111/joca.12121 'Factors Contributing to Financial Well-Being among Black and Hispanic Women' — https://jor.pm-research.com/content/9/1/71 'Financial Education Affects Financial Knowledge and Downstream Behaviors' — https://gflec.org/wp-content/uploads/2020/04/Working-Paper-Financial-education-affects-financial-knowledge-and-downstream-behaviors-April_2020.pdf

The Buzz 1: “Reading and ‘riting and ‘rithmetic – taught to the tune of the hick'ry stick.” School Days, song written in 1907 by Will D. Cobb and Gus Edwards, is about a couple looking back sentimentally on primary school. The Buzz 2: “In the past, financial literacy has been pushed aside within K-12 schools. There has been a lack of agreement about how and what to teach.…Because financial education prepares students for the realities they'll face in the real world and contributes directly to their future success, it deserves to hold the same priority as any other K-12 subject.” [Alice Lee fastcompany.com] The Buzz 3: “Students in states with financial education curricula are more likely to save and less likely to pay credit cards late…also more likely to be banked…Digital financial literacy is more front and center….” [ibid] The Buzz 4: “Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future money-management behavior… the concept of dividing their money into categories – save, spend, share… understand money is limited in quantity…” [incharge.org] We'll ask Karen Tenenbaum, Rumbi Petrozzello, Kelly Kirk-Xu, Mac Gardner and Annamaria Lusardi for their take on The Future of Financial Literacy: Can We Raise Our Kids' ‘Money IQ'?

The Buzz 1: “Reading and ‘riting and ‘rithmetic – taught to the tune of the hick'ry stick.” School Days, song written in 1907 by Will D. Cobb and Gus Edwards, is about a couple looking back sentimentally on primary school. The Buzz 2: “In the past, financial literacy has been pushed aside within K-12 schools. There has been a lack of agreement about how and what to teach.…Because financial education prepares students for the realities they'll face in the real world and contributes directly to their future success, it deserves to hold the same priority as any other K-12 subject.” [Alice Lee fastcompany.com] The Buzz 3: “Students in states with financial education curricula are more likely to save and less likely to pay credit cards late…also more likely to be banked…Digital financial literacy is more front and center….” [ibid] The Buzz 4: “Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future money-management behavior… the concept of dividing their money into categories – save, spend, share… understand money is limited in quantity…” [incharge.org] We'll ask Karen Tenenbaum, Rumbi Petrozzello, Kelly Kirk-Xu, Mac Gardner and Annamaria Lusardi for their take on The Future of Financial Literacy: Can We Raise Our Kids' ‘Money IQ'?

The Buzz 1: “Reading and ‘riting and ‘rithmetic – taught to the tune of the hick'ry stick.” School Days, song written in 1907 by Will D. Cobb and Gus Edwards, is about a couple looking back sentimentally on primary school. The Buzz 2: “In the past, financial literacy has been pushed aside within K-12 schools. There has been a lack of agreement about how and what to teach.…Because financial education prepares students for the realities they'll face in the real world and contributes directly to their future success, it deserves to hold the same priority as any other K-12 subject.” [Alice Lee fastcompany.com] The Buzz 3: “Students in states with financial education curricula are more likely to save and less likely to pay credit cards late…also more likely to be banked…Digital financial literacy is more front and center….” [ibid] The Buzz 4: “Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future money-management behavior… the concept of dividing their money into categories – save, spend, share… understand money is limited in quantity…” [incharge.org] We'll ask Karen Tenenbaum, Rumbi Petrozzello, Kelly Kirk-Xu, Mac Gardner and Annamaria Lusardi for their take on The Future of Financial Literacy: Can We Raise Our Kids' ‘Money IQ'?

The Buzz 1: “Reading and ‘riting and ‘rithmetic – taught to the tune of the hick'ry stick.” School Days, song written in 1907 by Will D. Cobb and Gus Edwards, is about a couple looking back sentimentally on primary school. The Buzz 2: “In the past, financial literacy has been pushed aside within K-12 schools. There has been a lack of agreement about how and what to teach.…Because financial education prepares students for the realities they'll face in the real world and contributes directly to their future success, it deserves to hold the same priority as any other K-12 subject.” [Alice Lee fastcompany.com] The Buzz 3: “Students in states with financial education curricula are more likely to save and less likely to pay credit cards late…also more likely to be banked…Digital financial literacy is more front and center….” [ibid] The Buzz 4: “Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future money-management behavior… the concept of dividing their money into categories – save, spend, share… understand money is limited in quantity…” [incharge.org] We'll ask Karen Tenenbaum, Rumbi Petrozzello, Kelly Kirk-Xu, Mac Gardner and Annamaria Lusardi for their take on The Future of Financial Literacy: Can We Raise Our Kids' ‘Money IQ'?

The Buzz 1: “Reading and ‘riting and ‘rithmetic – taught to the tune of the hick'ry stick.” School Days, song written in 1907 by Will D. Cobb and Gus Edwards, is about a couple looking back sentimentally on primary school. The Buzz 2: “In the past, financial literacy has been pushed aside within K-12 schools. There has been a lack of agreement about how and what to teach.…Because financial education prepares students for the realities they'll face in the real world and contributes directly to their future success, it deserves to hold the same priority as any other K-12 subject.” [Alice Lee fastcompany.com] The Buzz 3: “Students in states with financial education curricula are more likely to save and less likely to pay credit cards late…also more likely to be banked…Digital financial literacy is more front and center….” [ibid] The Buzz 4: “Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future money-management behavior… the concept of dividing their money into categories – save, spend, share… understand money is limited in quantity…” [incharge.org] We'll ask Karen Tenenbaum, Rumbi Petrozzello, Kelly Kirk-Xu, Mac Gardner and Annamaria Lusardi for their take on The Future of Financial Literacy: Can We Raise Our Kids' ‘Money IQ'?

The Buzz 1: “Reading and ‘riting and ‘rithmetic – taught to the tune of the hick'ry stick.” School Days, song written in 1907 by Will D. Cobb and Gus Edwards, is about a couple looking back sentimentally on primary school. The Buzz 2: “In the past, financial literacy has been pushed aside within K-12 schools. There has been a lack of agreement about how and what to teach.…Because financial education prepares students for the realities they'll face in the real world and contributes directly to their future success, it deserves to hold the same priority as any other K-12 subject.” [Alice Lee fastcompany.com] The Buzz 3: “Students in states with financial education curricula are more likely to save and less likely to pay credit cards late…also more likely to be banked…Digital financial literacy is more front and center….” [ibid] The Buzz 4: “Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future money-management behavior… the concept of dividing their money into categories – save, spend, share… understand money is limited in quantity…” [incharge.org] We'll ask Karen Tenenbaum, Rumbi Petrozzello, Kelly Kirk-Xu, Mac Gardner and Annamaria Lusardi for their take on The Future of Financial Literacy: Can We Raise Our Kids' ‘Money IQ'?

The Buzz 1: “Reading and ‘riting and ‘rithmetic – taught to the tune of the hick'ry stick.” School Days, song written in 1907 by Will D. Cobb and Gus Edwards, is about a couple looking back sentimentally on primary school. The Buzz 2: “In the past, financial literacy has been pushed aside within K-12 schools. There has been a lack of agreement about how and what to teach.…Because financial education prepares students for the realities they'll face in the real world and contributes directly to their future success, it deserves to hold the same priority as any other K-12 subject.” [Alice Lee fastcompany.com] The Buzz 3: “Students in states with financial education curricula are more likely to save and less likely to pay credit cards late…also more likely to be banked…Digital financial literacy is more front and center….” [ibid] The Buzz 4: “Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future money-management behavior… the concept of dividing their money into categories – save, spend, share… understand money is limited in quantity…” [incharge.org] We'll ask Karen Tenenbaum, Rumbi Petrozzello, Kelly Kirk-Xu, Mac Gardner and Annamaria Lusardi for their take on The Future of Financial Literacy: Can We Raise Our Kids' ‘Money IQ'?

Our guest on the podcast today is Tim Ranzetta. Tim is the co-founder of the nonprofit Next Gen Personal Finance, which provides free curricula, professional development, and advocacy tools to more than 40,000 teachers who reach 75% of high school students in the U.S. The goal of Next Gen Personal Finance and its community of teachers is for all high school students to take at least one stand-alone one-semester course focusing on personal finance by the end of 2030. Prior to founding NGPF, Tim co-founded several companies, including Equilar, a compensation and corporate governance research firm; and Student Lending Analytics, a student loan research firm. He began his career as a management consultant at Bain & Company. He graduated from the University of Virginia with a Bachelor of Science degree in commerce and received his MBA at the Stanford Graduate School of Business.BackgroundBioNext Gen Personal FinanceEastside College Preparatory SchoolWhat Works in Financial Education Interactive: The Financial Times' The Uber Game“Financial Education Affects Financial Knowledge and Downstream Behaviors,” by Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, and Carly J. Urban, National Bureau of Economic Research, April 2020.“Annamarie Lusardi: ‘Financial Education Works,' ” The Long View podcast, Morningstar.com, Feb. 19, 2020.Fidelity Youth AccountMillion Bazillion podcast “Bringing Personal Finance to the Classroom for Generation Z,” by Ann Carrns, nytimes.com, March 18, 2022.“The Truth About Day Trading,” by Ben Felix, YouTube.com, Oct. 24, 2020.The Stock Market GameSTAXfinviz.comThe State of Financial Education in the U.S.“NGPF's 2022 State of Financial Education Report,” ngpf.org, April 2022.Jump$tart Coalition for Personal Financial LiteracyCouncil for Economic Education“Financial Education Mandates 2022,” poll by National Endowment for Financial Education, nefe.org, March 17-21, 2022.“What I Learned Reading the State Auditor's Report About Financial Education in Utah,” by Tim Ranzetta, ngpf.org, Oct. 22, 2018.Mississippi Department of Education: National Board Certification—Master Teacher ProgramThe North Carolina Council on Economic EducationRhode Island Department of Education The Most Important Class You Never Had, NGPF documentary Other“Dan Otter and Scott Dauenhauer: Why Retirement Savings Options for Educators Are So Bad,” The Long View podcast, Morningstar.com, May 28, 2022.

In collaborazione con Banca Widiba, Riccardo intervista la prof.ssa Lusardi per approfondire il tema del gender gap in Italia e l'importanza della presenza femminile nel mondo economico e finanziario. Come può l'educazione finanziaria contribuire a migliorare la situazione nel nostro Paese?

Con una serie di iniziative in alcuni comuni d’Italia, da Novoli (Lecce) a Pordenone, si è conclusa la quarta edizione del Mese dell'educazione finanziaria, promosso dal Comitato Nazionale per l'Educazione finanziaria, previdenziale e assicurativa, conclusione coincisa con la chiusura della quinta edizione della Settimana mondiale dell'investitore promossa dalla CONSOB. Facciamo un bilancio di questo mese con Annamaria Lusardi, direttrice del Comitato per l'Educazione Finanziaria in Italia e docente di Economia alla George Washington University, e con Paola Soccorso dell'Ufficio Studi Economici Consob.Sempre in tema di educazione finanziaria, cerchiamo di capire perché può essere una nuova frontiera del welfare. Lo facciamo con Sergio Sorgi, fondatore di Progetica.

La Procura di Milano ha chiesto l’archiviazione per avvenuta prescrizione dei reati riguardanti la cosiddetta "truffa dei diamanti", nell'ambito della quale circa 600 risparmiatori sarebbero stati "sollecitati" a sottoscrivere contratti di acquisto dei diamanti per un prezzo notevolmente maggiore rispetto al reale valore, anche tramite false quotazioni. Chi aspettava il processo per chiedere un risarcimento vede svanire ogni possibilità? Ne parliamo nella prima parte della trasmissione con l'avv. Letizia Vescovini, esperta in diritto bancario e finanziario. "Prenditi cura del tuo futuro" è il motto della quarta edizione del Mese dell'educazione finanziaria, promosso dal Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria, che si terrà dall'1 al 31 ottobre. Sono in programma in tutta Italia conferenze, webinar, iniziative culturali, seminari, spettacoli, giornate di gioco e formazione rivolti ad adulti, ragazzi e bambini, quest'anno con un'attenzione particolare alle donne e ai giovani. A poche ore dall'evento di inaugurazione - a cura di Banca d'Italia, presso il Salone Margherita a Roma - ci colleghiamo con Magda Bianco - Responsabile Dipartimento Tutela della clientela ed educazione finanziaria di Banca d'Italia - e ascoltiamo alcuni passaggi di un'intervista realizzata nei giorni scorsi con Annamaria Lusardi, direttrice del Comitato per l'Educazione Finanziaria in Italia e docente di Economia alla George Washington University. In chiusura, ci raggiunge anche Lillo. L'attore comico è tra i testimonial coinvolti nell'evento di inaugurazione e cogliamo l'occasione per scambiare qualche battura con lui, curiosando sulla sua esperienza e preparazione in materia finanziaria.

ella puntata di questa settimana de "I Padrieterni", Federico Taddia e Matteo Bussola ci parlano di esplorazioni, traguardi scolastici, finanza per i più piccoli e molto altro. Cominciamo la puntata rifacendoci a un episodio di cronaca degli ultimi giorni: il ragazzo toscano che ha deciso di disobbedire ai suoi genitori no vax. Abbiamo con noi, Gianni Baldini, presidente di AMI Toscana (Associazione Avvocati Matrimonialisti Italiani), che sta seguendo il caso. Proseguiamo con l'ultima avventura di Alex Bellini. Ha da poco intrapreso l'esplorazione "Alla scoperta del Po". Ci spiega quanto sia importante raccontare avventure come questa ai propri figli. Un po' di tempo fa vi avevamo raccontato la storia di Walter Pozzatello e suo figlio Michael: stavano intraprendendo insieme il percorso di scuola superiore per conseguire il diploma. La novità è che si sono appena diplomati... con lo stesso voto! Walter ci racconta com'è andata. Spesso noi padri ci chiediamo quando sia il momento giusto per cominciare a parlare ai nostri figli di finanza e gestione del denaro. Chiediamo alcuni consigli su questo tema ad Annamaria Lusardi, economista e professoressa di economia alla George Washington University. Possiamo spiegare Dante ai nostri figli con la musica rap? Lo chiediamo direttamente a Murubutu, cantautore rap e autore del libro "Dante a tempo di rap".

Dal 21 marzo sono diventate operative le nuove regole dell’Autorità per le garanzie nelle comunicazioni sui servizi premium, a tutela dei consumatori. La delibera dispone infatti «il blocco all’attivazione dei servizi premium in abbonamento, operato sia sulle nuove SIM sia su quelle in essere, per tutti i servizi che prevedono l’erogazione di contenuti digitali forniti sia attraverso SMS e MMS». Nella prima parte della puntata facciamo il punto su questa novità con l'aiuto di Gianfranco Giardina, direttore del portale di tecnologia Dday.it ed esperto di audio-video e elettronica di consumo.Si avvia alla conclusione la nona edizione della Global Money Week, manifestazione internazionale dedicata all’educazione finanziaria dei giovani, organizzata quest’anno dell’Ocse-Infe con il supporto della Presidenza italiana del G20 e gestita in Italia dal Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria (Comitato Edufin). Il tema di questa edizione era “Prenditi cura di te, prenditi cura dei tuoi soldi”. Ci colleghiamo con Annamaria Lusardi, direttrice del Comitato per l'Educazione Finanziaria in Italia e docente di Economia alla George Washington University, con cui parliamo dei principali obiettivi di educazione finanziaria individuati per i giovani come la resilienza finanziaria, la sostenibilità. il risparmio, la pianificazione, l’utilizzo degli strumenti digitali e la protezione dai rischi.

Women are less financially literate than men. But does this gap reflect a lack of knowledge or a lack of confidence? To find out Maria Demertzis, deputy director of Bruegel is joined by Annamaria Lusardi, Professor of Economics and Accountancy at the George Washington University and non-resident fellow at Bruegel and Maarten van Rooij, senior economist at the Dutch Central Bank in The Sound of Economics. Annamaria and Maarten explain their findings in a recently published paper that about one-third of the financial literacy gender gap can be explained by women's lower confidence levels. Relevant publication:Bucher-Koenen F., R. Alessie, A. Lusardi and M. Rooij (2021) ‘Fearless woman: financial literacy and stock market participation'.

We talk to the Academic Director and Professor of Economics and Accountancy at the George Washington University School of Business, Annamaria Lusardi, about the research collaboration to find out why there is a gender gap when it comes to financial literacy and what are the causes. Connect with Anna on Twitter and follow the Global Financial Literacy Excellence Center on Facebook.

Figuring out how much you want to spend in retirement is a critical step in your savings plan. Money Coach Steve Bridge takes us through the steps. And, closing the financial literacy gender gap. Annamaria Lusardi from the George Washington University School of Business tells us about new research that explains what’s behind this gap. Then, if you’re feeling stressed out at work you might be experiencing burnout. Paula Davis is her to talk about her new book “Beating Burnout at Work: Why Teams Hold the Secret to Well-Being and Resilience”. Plus, teaching your kids about money. Will Carmichael from RoosterMoney shares some tips and tricks for teachable moments around the house. And, Hayden James from Fraction Technologies tells us about a new way for people to access equity in their homes. Full Episode: To find out more about the guests check out: Steve Bridge: Twitter | Facebook. Fraction Technologies: Website | Linkedin | Facebook Annamaria Lusardi: Twitter Global Financial Literacy Excellence Center: Facebook RoosterMoney: Website | teaching kids about money | Twitter | Facebook Will Carmichael: Twitter Paula Davis: Linkedin | Twitter | BEATING BURNOUT AT WORK Stress & Resillience Institute: Instagram Find Bruce Sellery at Moolala.ca | Twitter | Facebook | Linkedin  

Knowledge can lead to better choices—and lower our anxiety about money matters. An expert connects the dots. Annamaria Lusardi, Professor of Economics and Accountancy at the George Washington University School of Business, calls personal finance a “happiness project.” Being financially secure takes a big worry off the table and puts us in a better position to achieve our dreams. Krishna, Pattie Christensen, and Annamaria talk about the benefits of increasing our understanding of saving, investing, and savvy debt management. Resources for CPG Plan Participants: Plan your future by scheduling a financial discussion with a CPG Financial Education Specialist. Want to know how much income you will need in retirement, and how to plan and save for it? Take a few minutes with our Plan Ahead and Retirement Savings Spending calculators. Additional resources: Learn about the Global Financial Literacy Excellence Center at the George Washington University School of Business.   Disclaimer

Inizia da questo martedì l’appuntamento con L’Alfabeto del Risparmio: una serie di approfondimenti dedicati all’educazione finanziaria, realizzati in collaborazione con il Comitato nazionale per l’educazione finanziaria. Anche le notizie che fanno da corredo a questa novità sono intitolate a vicende di risparmio e di finanza: finanze “reali”, nel caso del principe Harry e della moglie Meghan Markle che con una donazione da 2,4 milioni di sterline rimborsano il fondo di Corte che aveva finanziato la ristrutturazione della residenza di Frogmore Cottage; finanze personali nel caso di una risparmiatrice che è riuscita a ottenere dall’arbitro per le controversie finanziarie il risarcimento per i suoi investimenti in azioni di Veneto Banca, acquistate attraverso Banca Apulia. A risarcire sarà Banca Intesa e ne parliamo con l'avvocato Massimo Melpignano, Responsabile Nazionale Banca e Finanza di Konsumer Italia. Ma il piatto forte della puntata è, come detto, il debutto dell’Alfabeto del Risparmio, un percorso di approfondimento e divulgazione che ci porta alle iniziative di Ottobre, il Mese dell’Educazione Finanziaria, anche in questa terza edizione ricco di eventi e di iniziative coordinate dal Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria. La professoressa Annamaria Lusardi, che lo dirige, è - per l'occasione - nostra ospite in collegamento telefonico da Washington. Con lei torniamo a fare il punto sul lavoro del Comitato e sui temi al centro delle attività di promozione delle competenze finanziarie, assicurative e previdenziali in questo 2020 così particolare e delicato, anche per l'economia delle famiglie.

Inizia da questo martedì l’appuntamento con L’Alfabeto del Risparmio: una serie di approfondimenti dedicati all’educazione finanziaria, realizzati in collaborazione con il Comitato nazionale per l’educazione finanziaria. Anche le notizie che fanno da corredo a questa novità sono intitolate a vicende di risparmio e di finanza: finanze “reali”, nel caso del principe Harry e della moglie Meghan Markle che con una donazione da 2,4 milioni di sterline rimborsano il fondo di Corte che aveva finanziato la ristrutturazione della residenza di Frogmore Cottage; finanze personali nel caso di una risparmiatrice che è riuscita a ottenere dall’arbitro per le controversie finanziarie il risarcimento per i suoi investimenti in azioni di Veneto Banca, acquistate attraverso Banca Apulia. A risarcire sarà Banca Intesa e ne parliamo con l'avvocato Massimo Melpignano, Responsabile Nazionale Banca e Finanza di Konsumer Italia. Ma il piatto forte della puntata è, come detto, il debutto dell’Alfabeto del Risparmio, un percorso di approfondimento e divulgazione che ci porta alle iniziative di Ottobre, il Mese dell’Educazione Finanziaria, anche in questa terza edizione ricco di eventi e di iniziative coordinate dal Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria. La professoressa Annamaria Lusardi, che lo dirige, è - per l'occasione - nostra ospite in collegamento telefonico da Washington. Con lei torniamo a fare il punto sul lavoro del Comitato e sui temi al centro delle attività di promozione delle competenze finanziarie, assicurative e previdenziali in questo 2020 così particolare e delicato, anche per l'economia delle famiglie.

Inizia da questo martedì l’appuntamento con L’Alfabeto del Risparmio: una serie di approfondimenti dedicati all’educazione finanziaria, realizzati in collaborazione con il Comitato nazionale per l’educazione finanziaria. Anche le notizie che fanno da corredo a questa novità sono intitolate a vicende di risparmio e di finanza: finanze “reali”, nel caso del principe Harry e della moglie Meghan Markle che con una donazione da 2,4 milioni di sterline rimborsano il fondo di Corte che aveva finanziato la ristrutturazione della residenza di Frogmore Cottage; finanze personali nel caso di una risparmiatrice che è riuscita a ottenere dall’arbitro per le controversie finanziarie il risarcimento per i suoi investimenti in azioni di Veneto Banca, acquistate attraverso Banca Apulia. A risarcire sarà Banca Intesa e ne parliamo con l'avvocato Massimo Melpignano, Responsabile Nazionale Banca e Finanza di Konsumer Italia. Ma il piatto forte della puntata è, come detto, il debutto dell’Alfabeto del Risparmio, un percorso di approfondimento e divulgazione che ci porta alle iniziative di Ottobre, il Mese dell’Educazione Finanziaria, anche in questa terza edizione ricco di eventi e di iniziative coordinate dal Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria. La professoressa Annamaria Lusardi, che lo dirige, è - per l'occasione - nostra ospite in collegamento telefonico da Washington. Con lei torniamo a fare il punto sul lavoro del Comitato e sui temi al centro delle attività di promozione delle competenze finanziarie, assicurative e previdenziali in questo 2020 così particolare e delicato, anche per l'economia delle famiglie.

Discover why wealth inequality is a bigger problem than income inequality. Annamaria Lusardi joins Tom to discuss why income and wealth inequality is growing and why it’s a problem for the poor, middle class and wealthy. Lusardi offers solutions to address the issue. EPISODE BONUS: For the transcript, show notes and more visit: https://wealthability.com/podcast63 Learn more about your ad choices. Visit megaphone.fm/adchoices

Ha preso il via lunedì 6 luglio l'indagine nazionale Ivass per capire quanto sono consapevoli gli italiani dei rischi a cui sono esposti e il loro bisogno di copertura e quanto a loro sono chiare e comprensibili le polizze offerte sul mercato.Ne parliamo con Stefano De Polis, segretario generale dell'IVASS. Il Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria ha commissionato un'indagine DOXA, con l'obiettivo di cogliere gli effetti economici dell'emergenza COVID-19, la condizione finanziaria delle famiglie prima e dopo l'inizio della pandemia, la loro resilienza finanziaria (ad es. in termini di cuscinetto finanziario e di reti di assistenza) per collegare questi aspetti al loro livello di alfabetizzazione finanziaria. Commentiamo i risultati emersi con Annamaria Lusardi, direttrice del comitato.

Debora sfida il Seveso - esondato in seguito ad un violento nubifragio che ha colpito nella notte Milano e dintorni - e raggiunge gli studi di Radio 24 per condurre l'ultima puntata della settimana, che parte con un collegamento con Washington, dove - nonostante siano le cinque del mattino - raggiungiamo Annamaria Lusardi, direttore del Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria. In questo periodo così delicato, che vede anche lei interessata dalle misure di lockdown, la prof.ssa Lusardi ha inaugurato una nuova rubrica - Dalla Scrivania di Anna - nella quale, muovendo dall’emergenza sanitaria ed economica legata al virus COVID-19, spiega in maniera semplice e diretta nozioni di finanza personale utili a orientarsi nella vita di tutti i giorni, in particolare in questo momento di ripresa dalla crisi. Proprio a causa della nuova crisi economica si sta registrando in queste settimane una crescita netta del numero di persone che chiedono un prestito impegnando i propri beni. Nella seconda parte della trasmissione dedichiamo un approfondimento allo strumento del credito su pegno. Ne parliamo con Gianluca Garbi, amministratore delegato di Banca Sistema.

Our guest on the podcast is Annamaria Lusardi, an authority on financial literacy and financial education. Lusardi is the Denit Trust Distinguished Scholar and Professor of Economics and Accountancy at the George Washington University School of Business, where she also serves as the academic director of the Global Financial Literacy Excellence Center. Prior to joining George Washington University, she taught at Dartmouth College for 20 years. She has also taught at Princeton University, the University of Chicago Harris School of Public Policy, the University of Chicago Booth School of Business, and Columbia Business School. She received her doctorate from Princeton.BackgroundAnnamaria Lusardi bio Annamaria Lusardi curriculum vitae Annamaria Lusardi publications Financial Literacy"The Economic Importance of Financial Literacy: Theory and Evidence," by Annamaria Lusardi and Olivia S. Mitchell, Journal of Economic Literature, 2014. "A Financial Literacy Test That Works," by Annamaria Lusardi and Olivia S. Mitchell, Forbes, Dec. 14, 2017. The 2019 TIAA Institute-GFLEC Personal Finance Index "Financial Literacy and Wellness Among African-Americans," by Paul J. Yakoboski,  Annamaria Lusardi, and Andrea Hasler, Global Financial Literacy Excellence Center. "Financial Literacy and Retirement Planning in the United States," by Annamaria Lusardi and Olivia S. Mitchell, Journal of Pension Economics & Finance, October 2011. “Financial Literacy Around the World: An Overview," by Annamaria Lusardi and Olivia S. Mitchell, Journal of Pension Economics and Finance, October 2011. Implications of Financial Illiteracy"Optimal Financial Knowledge and Wealth Inequality," by Annamaria Lusardi, Pierre-Carl Michaud, and Olivia S. Mitchell, The National Bureau of Economic Research, January 2013. "Financial Literacy and Stock Market Participation," by Maarten van Rooij, Annamaria Lusardi, and Rob Alessie, The National Bureau of Economic Research, October 2007. "National Financial Capability Study," Finra Investor Education Foundation, December 2019. “Financially Fragile Households: Evidence and Implications,” by Annamaria Lusardi, Daniel J. Schneider, and Peter Tufano, The National Bureau of Economic Research, May 2011. "Financial Literacy and Planning: Implications for Retirement Wellbeing," The National Bureau of Economic Research, by Annamaria Lusardi and Olivia S. Mitchell, May 2011. Financial Education"Are States Providing Adequate Financial Literacy Education?" by Matt Kasman, Benjamin Heuberger, and Ross A. Hammond, Brookings, Oct. 3, 2018.  "Five Steps to Planning Success. Experimental Evidence From U.S. Households," by Aileen Heinberg, Angela A. Hung, Arie Kapteyn, Annamaria Lusardi, Anya Savikhin Samek, and Joanne Yoong, The National Bureau of Economic Research, June 2014. "John Lynch: Rethinking Financial Education," The Long View podcast, Morningstar.com, Dec. 11, 2019. "Financial Literacy, Financial Education, and Downstream Financial Behaviors," by Daniel Fernandes, John G. Lynch, and Richard G. Netemeyer, Management Science, Jan. 6, 2014. "Ariel Community Academy Students Are Investing on Wall Street by Fourth Grade," by Rodney Brooks, The Undefeated, Oct. 18, 2017.  

Digital banking has made our lives easier, but why are people use mobile banking more likely to be overdrawn? This week Maria Demertzis and Nicholas Barrett are joined by Annamaria Lusardi, Denit Trust Endowed Chair of Economics and Accountancy from George Washington University School of Business to discuss financial literacy

According to Annamaria Lusadi, academic director at the Global Financial Literacy Excellence Center, financial literacy requires both a knowledge of financial concepts and the confidence to make effective financial decisions in order to maximise one's well-being. Financial literacy is not only limited to knowledge of monetary calculations, but is also measured by the extent to which individuals understand their financial rights and obligations, in addition to their ability to educate themselves on financial matters. People are increasingly expected to have the appropriate skills to manage their own financial decisions; however, the rapidly shifting financial environment often proves to be extremely complex to understand and, thus, leaves many with poor financial literacy abilities. The young, the elderly, women, and people with low-education levels are particularly susceptible to the negatives effects of low financial literacy. The consequences of the situation are harmful both for the individual and at a national level. Just as reading and writing skills are a part of the educational curriculum, Annamaria Lusadi believes that financial literacy courses should now be a requisite part of school programmes. Moreover, the adult population should also have access to workplace and public financial education programmes. All in all, good financial literacy skills have long-term beneficial effects; sound financial decisions take today's resources and invest them in the future. As a result, policy-makers should redouble their efforts in this area. Maria Demertzis has co-authored a Bruegel Policy Contribution with Uuriintuya Batsaikhan on [financial literacy and inclusive growth in the European Union](http://bruegel.org/2018/05/financial-literacy-and-inclusive-growth-in-the-european-union/). Annamaria Lusardi previously made a presentation at the Bruegel event, ‘[The importance of being financially literate](http://bruegel.org/events/the-importance-of-being-financially-literate/)'.

Many Americans don’t think about retirement until it looms in their immediate future. So ow confident are Americans that they will have enough money when they retire? And how much are they relying on Social Security and 401(k)s? When is the ideal time to withdraw from Social Security? And what can we do to increase Americans’ financial literacy? Annamaria Lusardi, Denit Trust Chair of Economics & Accountancy at the George Washington University School of Business, joins the podcast to discuss these questions and others. And later, are Americans already accepting the fact that gas prices are going to go up even higher this year?

Many Americans don't think about retirement until it looms in their immediate future. So ow confident are Americans that they will have enough money when they retire? And how much are they relying on Social Security and 401(k)s? When is the ideal time to withdraw from Social Security? And what can we do to increase Americans' financial literacy? Annamaria Lusardi, Denit Trust Chair of Economics & Accountancy at the George Washington University School of Business, joins the podcast to discuss these questions and others. And later, are Americans already accepting the fact that gas prices are going to go up even higher this year?

Many Americans don't think about retirement until it looms in their immediate future. So ow confident are Americans that they will have enough money when they retire? And how much are they relying on Social Security and 401(k)s? When is the ideal time to withdraw from Social Security? And what can we do to increase Americans' financial literacy? Annamaria Lusardi, Denit Trust Chair of Economics & Accountancy at the George Washington University School of Business, joins the podcast to discuss these questions and others. And later, are Americans already accepting the fact that gas prices are going to go up even higher this year?

Claudia Cragg (@KGNUClaudia) speaks here for @KGNU with ,(@A_Lusardi) the founder and academic director of (www.gflec.org) Research from the Programme for International Student Assessment () shows that a disappointingly high proportion of teenagers struggle to understand money matters, and they are not alone. Many older people too are equally financially ignorant, we are told. Lusardi argues that people often say, wrongly, that financial knowledge can be acquired with experience. But if the evidence from a new survey index is any indication, that way of learning may, in fact, be very slow or not work well at all. Lusardi is the key mover behind to help us all to become better informed financially. 

Being financially literate means having the necessary knowledge to make informed and responsible decisions about one’s own financial resources. In this event we will examine more closely how well countries do, what the risks of financial illiteracy are, and which policies help promote financial literacy effectively. Annamaria Lusardi, a professor at the George Washington University and the Academic Director of Global Financial Literacy Excellence Center, delivered the keynote speech. The rest of the panel provided valuable input on the subject from their own perspectives (banking, policy, and academia) before engaging in a discussion with the audience.

Como você anda cuidando das suas finanças pessoais? Qual é o seu perfil? Esse foi o tema da nossa conversa com o Pedro Vieira, da Rádio Inconfidência, no programa Em Boa Companhia. Levamos ao programa um quiz, isto é, um jogo de perguntas, com opções de respostas. Apesar do formato de brincadeira, a coisa é séria. Foi inspirado em estudo da economista italiana Annamaria Lusardi, especialista em comportamento financeiro . Ela baseou-se no Pisa – Programa Internacional de Avaliação de Estudantes, iniciativa que avalia o conhecimento de estudantes em vários países. Pedro topou o jogo e fez o teste no ar. E foi bem bacana, porque pudemos conversar sobre cada pergunta e apresentar nossas sugestões sobre bons cuidados com finanças pessoais. Apesar de não ser um teste de “certo ou errado”, algumas respostas são certamente mais aconselháveis que outras… É interessante perceber como a forma de cuidar do dinheiro reflete a forma de cuidar da vida como um todo. Finanças pessoais envolvem escolhas, preferências, abrir mão de algumas coisas em benefício de outras. E quantas coisas na vida são exatamente assim, não é mesmo? As perguntas passeiam por diferentes situações e falam, basicamente, de disciplina e escolhas. Cuidar das contas, pensar antes de tomar decisões, fazer planos, pensar no futuro, viver o presente… É possível arranjar um meio termo? . Sua vez de fazer o teste: como você cuida das suas finanças pessoais? . Que tal, agora, fazer o teste você mesmo? É bem rápido, são apenas 6 perguntas. Além de divertido, é saudável. Cada pergunta é um convite à reflexão. E o resultado pode ser surpreendente! . Ouça o podcast, conheça o perfil do Pedro, ouça nossas dicas. Ficou muito legal, ao mesmo tempo leve e profundo. E depois faça o teste, conheça a si mesmo, reflita sobre o que pode e precisa ser mudado. Vamos lá?

Today’s interview is a first for our podcast, I visited the home base of one of our research fellows on a recent trip to Washington D.C. Annamaria Lusardi showed me around her humble but impressive research center on Financial Literacy, located in the heart of the George Washington University campus. We spoke about the work she’s doing through the Global Financial Literacy Excellence Center (GFLEC), and the ways in which her work is changing global financial literacy methodology and practice, shaping the world’s research on the topic, and influencing national and international financial literacy policy. I asked Annamaria what advice she has for credit unions, given her knowledge and experience, for effectively increasing the financial literacy of their community of members. She gives a thoughtful three part answer here not to be missed by credit unions looking to excel in their work in this area. A couple links as promised in the podcast: Paper on Financial Knowledge and Wealth Inequality, published in the Journal of Political Economy: http://gflec.org/wp-content/uploads/2017/03/Optimal-Financial-Knowledge-and-Wealth-Inequality-JPE-April-2017.pdf?x28148 Paper on Student Loan Debt Burden: http://gflec.org/wp-content/uploads/2016/11/GFLEC-Brief-Student-loan-debt-1.pdf?x28148 Paper on Financial Fragility of American Families: http://gflec.org/wp-content/uploads/2015/01/a738b9_4ea671dfdddf4c01a74d11e12bb22102.pdf?x28148 Paper on Use of High-Cost Methods of Borrowing: http://gflec.org/wp-content/uploads/2014/12/WP-2013-1-Financial-Literacy-and-High-Cost-Borrowing.pdf?x28148

The Motley Fool has long been an advocate of financial literacy in our schools. Crazy talk, right? Today, David has the pleasure of hosting one of the preeminent experts on the subject, Dr. Annamaria Lusardi of George Washingon University to discuss why this is such an important subject. And stick around for the close, where we will announce a fantastic opportunity for you and your kids!

Annamaria Lusardi is the Denit Trust Professor of Economics and Accountancy at the George Washington School of Business. J. Howard Beales, III. is Professor of Strategic Management and Public Policy at the George Washington University School of Business.

It's no secret that many Americans are financially illiterate or unable to understand basic principles of money management. To address this situation Wharton Dartmouth and the Rand Corporation have established the new Financial Literacy Center which will develop ”educational materials and programs that help foster saving and retirement strategies over the life cycle.” Annamaria Lusardi an economics professor at Dartmouth who will help lead the new Center and Michelle Greene deputy assistant secretary for financial education and financial access at the U.S. Treasury Department spoke with Knowledge at Wharton about the Center's goals and why individuals need to be more proactive about their financial health. See acast.com/privacy for privacy and opt-out information.

How equipped Americans are with the knowledge and skills they need to make financial decisions determine retirement options, homeownership, college education, and more. The National Financial Capability Survey, released in December 2009 by the FINRA Foundation, is the first of its kind in the United States. The survey explores how Americans manage their resources and how they make financial decisions. As Americans grapple with the current recession, the results are troubling: Only 41 percent of parents have set aside money for their children's college education, the majority of Americans don't have an emergency fund for financial emergencies and are not prepared for retirement, and more than one in five respondents use high-cost borrowing methods such as payday loans or pawn shops. Annamaria Lusardi has studied financial literacy and financial capability in the United States and around the world. She is a professor of economics at Dartmouth College, a regular contributor to the International Business Times, and a research associate at the National Bureau of Economic Research. In this interview, she discusses how the financial landscape has become more complex, how Americans score on financial capability and literacy, and the personal implications of low financial capability.