... combination ofboth. See O’Neill, ‘‘Twelve Key Components of Financial Wellness.’’33. National Endowment for Financial Education, ‘ Financial Lit-eracy in America: Individual Choices, National ... Financial Literacy, ‘‘From Badto Worse: Financial Literacy Drops Further among 12th Graders,’’press release, April 23, 2002.10. Lawrence J. Kotlikoff and B. Douglas Bernheim, ‘‘Household Financial ... expenditures.13There is12. See Kotlikoff and Bernheim, ‘‘Household Financial Planningand Financial Literacy.’’13. Barbara O’Neill, ‘‘Twelve Key Components of Financial Well-ness,’’ Journal of Family and Consumer...