... determine the role of nancial education vis à vis other strategies for improving nancial decision-making. • Establish a clearinghouse either within or otherwise in connection with existing ... cover earning, spending, saving and investing, borrowing, and protecting against risk. FLEC also identied the knowledge and actions or behaviors that would be associated with each of the core ... making by individual Americans and their families as they pursue personal nancial objectives. In recognition of the many changes needed to move our nation forward in this regard, the focus in...