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Financial literacy is a critical barrier to financial and economic participation. Because of a lack of knowledge about finance and financial products, many people – especially the poor and women – are not able to access banking and financial services, and are therefore kept out of financial markets.

According to monthly Bankrate surveys over the past 5 years, millennials are persistently optimistic about the state of their personal finances, especially compared with older age groups. They may owe more money at an earlier stage in their careers than previous generations, and they may be the least experienced workers in a competitive job market, yet millennials don't seem to be losing much sleep over it.

Kids can color Kirby coloring sheets for back to school, Halloween and other fall occasions.