... is12. See Kotlikoff and Bernheim, ‘‘Household Financial Planning and Financial Literacy.’’13. Barbara O’Neill, ‘‘Twelve Key Components of Financial Well-ness,’’ Journal of Family and Consumer ... analysis of the Survey of Consumer Finances data. Jane Schuchardt and Sommer Clarke, of theU.S. Department of Agriculture, and Manisha Sharma, of the Board’sDivision of Consumer and Community Affairs, ... (www.consumerinterests.org/public/articles/FinancialLiteracy-02.pdf ).1. Distribution of levels of index scores,by type of financial practiceLow Medium HighCash-flow management Credit management Saving InvestmentNote....