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New information released today shows how well American teens understand financial concepts and can apply them to their own situations. The Organisation for Economic Co-operation and Development (OECD) published results of the 2015 Programme for International Student Assessment (PISA) financial literacy assessment. This new information will help us develop targeted programs and initiatives to ensure our young people move toward adulthood with the financial knowledge, skills, and habits that could help them to reach their own goals in their adult financial lives.

Talking about money issues under normal conditions can be stressful. Talking about them while a service member is deployed to a remote location can be more so. The best remedy is to communicate regularly about household finances. That way there are no surprises or added headaches when orders arrive. Here are a few steps you can take to initiate financial discussions with your spouse and family members.

‘Tis the season for exams, commencements, and a renewed focus on the future. But when it comes to dealing in the marketplace, everyone has the potential to be a value-dictorian. Before spending your hard-earned money, ask questions, do your homework, and speak up. The Federal Trade Commission, the nation’s consumer protection agency, suggests that students and grads tap into these 10 tips.

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