- Job openings for STEM positions take longer to fill than openings in other fields.
- Specific high-value skills requested by employers and common to STEM occupations are particularly scarce relative to demand and yet particularly valuable to employers.
- The regional supply of workers in a given occupation affects the length of vacancy advertisements.
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Abstract:
Alaska Adult Education, in partnership with the American Institutes for Research (AIR), developed state education standards specifically designed for adult learners, recognizing their distinct motivations, strengths, and needs. Financial literacy competencies are intentionally integrated into the economics strand of the Adult Education Social Studies Standards. The inclusion of financial literacy reflects Alaska’s commitment to equipping adult learners with practical knowledge and skills to make informed financial and career decisions. Grounded in cultural relevance and local contexts, the state adult education standards provide systemic support for promoting adult learners’ financial stability, workforce readiness, and community integration. The article highlights two financial literacy anchor standards, provides examples of project-based lessons, and demonstrates how locally relevant instruction can build learners’ financial resilience and agency. Feedback from faculty indicates that students value lessons that apply to their everyday lives in the local community contexts and enhance their engagement. This place-based approach can serve as a model for other states and programs.
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Abstract:
For nearly 50 years, NeighborWorks America has created opportunities for people to live in affordable homes, improve their lives, and strengthen their communities. As a part of this mission, the organization helps adults build lasting financial stability, a cornerstone of housing success. Through national training and certification programs, NeighborWorks equips practitioners with both the technical knowledge of financial education and the relational skills of coaching, helping learners set their own goals and test strategies that work in real life. NeighborWorks’ network organizations then adapt these practices for their own communities, pairing financial coaching with housing counseling, offering trusted entry points like free tax preparation, or linking residents to community savings or repair programs. Together, these experiences reveal a set of promising practices for the field, approaches that build trust, strengthen confidence, and connect financial capability to the broader goal of helping individuals and families stay stably housed. This piece draws on those lessons from NeighborWorks’ staff and network partners to explore not only why financial capability matters, but how it works in practice.
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Abstract:
Low levels of financial literacy in the United States, coupled with persistent disparities across demographics, have heightened calls for more effective adult financial education. Although strong associations exist between adults’ financial knowledge, behaviors, and outcomes, far less is known about whether, and how, increasing financial knowledge leads to meaningful changes in financial capability and well-being. This article synthesizes the current research on adult financial education, highlighting the field’s underlying assumptions, available curriculum models, and limited but informative evidence base on program effectiveness. Existing studies point to promising practices, such as providing actionable, timely information, supporting motivation, and offering ongoing guidance. Yet, no fully evidence-based adult financial education model currently exists, and much of what is known about educators, learners, and instructional strategies may not reflect the current state of adult education. We argue that the field lacks a comprehensive, contemporary understanding of who delivers financial education, who participates, what programs entail, and what outcomes they produce. We conclude by identifying critical gaps and proposing new lines of inquiry, including a shift toward community-centered conceptions of financial capability and well-being. Collaborative research and practice are needed to build an evidence base that advances equitable and effective adult financial education.
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Abstract:
Financial literacy, the ability to use knowledge and skills to manage financial resources effectively, remains unevenly distributed across the U.S. adult population, with notable gaps among individuals with lower educational attainment, limited income, or little prior exposure to financial education. For many adult learners, these gaps stem not from a lack of motivation but from limited access to learning opportunities, often constrained by work, family responsibilities, and economic instability. COABE views financial literacy as essential to its mission of supporting adult learners’ academic and economic success. The Jump$tart Coalition for Personal Financial Literacy shares this commitment, collaborating with more than 100 national partners and a network of state affiliates to promote financial literacy and strengthen financial education nationwide. Using data from national studies, this article examines the relationship between educational attainment, income, and financial literacy performance. The findings show consistent correlations across these variables and illustrate how financial literacy gaps contribute to financial vulnerability, including limited emergency savings, higher debt burdens, and reduced long-term stability. In response, the article argues for embedding personal finance instruction within adult education curricula across core subjects and workforce preparation. It also highlights professional development resources available through the Jump$tart Coalition, supporting COABE’s commitment to equipping educators to meet learners’ broader life needs.
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