{"id":515670,"date":"2026-05-04T16:36:50","date_gmt":"2026-05-04T20:36:50","guid":{"rendered":"https:\/\/poole.ncsu.edu\/magazine\/?p=515670"},"modified":"2026-05-05T20:40:14","modified_gmt":"2026-05-06T00:40:14","slug":"leveling-up-financial-literacy","status":"publish","type":"post","link":"https:\/\/poole.ncsu.edu\/magazine\/leveling-up-financial-literacy\/","title":{"rendered":"Leveling Up Financial Literacy"},"content":{"rendered":"\n\n\n\n\n<p class=\"is-style-lead\">As a land-grant university, NC State\u2019s core mission is to use its research and engagement engine to help drive economic growth in the state. Traditionally, that\u2019s meant giving farmers in the field access to new methods and tools from the university\u2019s agriculture and extension experts.<\/p>\n\n\n\n<p>A new Poole College of Management&nbsp;program is doing the same thing with something less tangible but equally essential: personal financial literacy. The <a href=\"https:\/\/fli.poole.ncsu.edu\/\">Financial Literacy Initiative<\/a> is an effort to improve people\u2019s understanding of how money works, from the NC State campus to every corner of the state.<\/p>\n\n\n<aside class=\"right-aside wp-block-ncst-aside-widget\">\n    \n<div class=\"has-custombg-seven-text-color ncst-fact wp-block-ncst-aside-fact\">\n      <span class=\"ncst-icon\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M23.4999 8.625C23.096 8.87063 22.7808 9.23836 22.5999 9.675C22.8992 9.86805 23.1688 10.1038 23.4 10.3748C23.5032 10.0205 23.7126 9.70636 24 9.47484L23.4999 8.625Z\" fill=\"currentColor\" \/><path d=\"M6 21.9248H9.15V19.3748C8.03973 19.035 6.98022 18.5474 6 17.925V21.9248Z\" fill=\"currentColor\" \/><path d=\"M14.6499 21.8752H17.7999V17.925C16.8394 18.5715 15.7734 19.0453 14.6499 19.3252V21.8752Z\" fill=\"currentColor\" \/><path d=\"M21.2498 9.87516C21.0981 9.86678 20.9461 9.88357 20.7998 9.92484C20.1 6.27516 16.4498 3.47484 12.0998 3.47484C10.9228 3.46224 9.75349 3.66561 8.64984 4.07484L4.65 2.07516V7.07484C4.04305 7.91117 3.61726 8.86493 3.39984 9.87516H0V14.025H3.9C5.15016 16.9252 8.34984 19.0252 12.15 19.0252C15.9502 19.0252 19.2502 16.875 20.4502 13.8248C20.7185 13.944 21.0067 14.0119 21.3 14.025C21.8429 14.0224 22.3627 13.8056 22.7466 13.4218C23.1305 13.0379 23.3473 12.518 23.3498 11.9752C23.3384 11.4218 23.1134 10.8943 22.722 10.503C22.3307 10.1116 21.8032 9.88665 21.2498 9.87516ZM7.02 10.425H6.99984C6.84159 10.425 6.68689 10.3781 6.5553 10.2902C6.42372 10.2022 6.32116 10.0773 6.2606 9.93105C6.20003 9.78484 6.18419 9.62396 6.21506 9.46874C6.24594 9.31353 6.32214 9.17095 6.43405 9.05905C6.54595 8.94714 6.68853 8.87094 6.84374 8.84006C6.99896 8.80919 7.15984 8.82503 7.30605 8.8856C7.45226 8.94616 7.57723 9.04872 7.66515 9.1803C7.75307 9.31189 7.8 9.46659 7.8 9.62484C7.80136 9.72861 7.78226 9.83163 7.7438 9.92801C7.70533 10.0244 7.64824 10.1122 7.57581 10.1866C7.50337 10.2609 7.417 10.3202 7.32163 10.3611C7.22626 10.402 7.12377 10.4237 7.02 10.425ZM12.6347 14.9602C12.5082 14.9872 12.378 14.9922 12.2498 14.9752V15.525H11.7502V14.925C11.6169 14.8981 11.4905 14.8444 11.3787 14.767C11.2669 14.6896 11.1721 14.5903 11.1 14.475V14.925H10.4002V13.3252H11.1502C11.1502 13.7752 11.3002 14.2748 11.7502 14.3752V12.9248L11.4998 12.825C10.8998 12.5752 10.4498 12.3248 10.4498 11.625C10.4252 11.2917 10.5339 10.9623 10.7521 10.7091C10.9702 10.456 11.28 10.2998 11.6133 10.275C11.6757 10.2703 11.7384 10.2703 11.8008 10.275V9.72516H12.3V10.3252C12.5256 10.3875 12.721 10.5296 12.8498 10.725V10.3748H13.5V11.8748H12.75C12.6998 11.325 12.5498 11.025 12.2002 10.9252V12.2752L12.45 12.375C12.7468 12.4637 13.0202 12.6174 13.2502 12.825C13.4288 13.052 13.5177 13.3368 13.5 13.6252C13.5623 13.9169 13.5061 14.2215 13.3438 14.4719C13.1815 14.7222 12.9265 14.8979 12.6347 14.9602ZM14.55 6.27516C13.7261 5.93394 12.8415 5.76378 11.9498 5.775C11.0583 5.76373 10.1738 5.93389 9.35016 6.27516V5.22516C10.1738 4.88389 11.0583 4.71373 11.9498 4.725C12.8415 4.71378 13.7261 4.88394 14.55 5.22516V6.27516ZM21.3 12.9783C21.2827 12.9783 21.2658 12.9783 21.2484 12.9783C21.0554 12.9755 20.8663 12.9239 20.6986 12.8283C20.8172 12.3028 20.8842 11.767 20.8987 11.2284V10.9781C21.0096 10.9334 21.1296 10.9164 21.2484 10.9284C21.5265 10.9297 21.7929 11.0407 21.9895 11.2373C22.1862 11.434 22.2972 11.7003 22.2984 11.9784C22.2979 12.2428 22.1928 12.4962 22.0059 12.6832C21.8191 12.8703 21.5658 12.9757 21.3014 12.9764L21.3 12.9783Z\" fill=\"currentColor\" \/><path d=\"M12.2498 13.125V14.3752C12.3817 14.3411 12.4982 14.2631 12.58 14.1541C12.6617 14.045 12.704 13.9114 12.6998 13.7752C12.7499 13.3748 12.5498 13.2248 12.2498 13.125Z\" fill=\"currentColor\" \/><path d=\"M11.3 11.475C11.3 11.8252 11.4997 11.9752 11.7997 12.075V10.875C11.6999 10.875 11.6 10.9748 11.4997 11.025C11.384 11.148 11.3136 11.3067 11.3 11.475Z\" fill=\"currentColor\" \/><\/svg>\n\n    <\/span>\n              <h2 class=\"fact__heading\">54% of North Carolinians<strong> find it difficult to afford monthly expenses<\/strong>.<\/h2>\n            <p class=\"fact__support\">\n              C<em>atawba College\/YouGov survey, January 2026<\/em>\n          <\/p>\n      <\/div>\n\n\n  <\/aside>\n\n\n\n<p>The initiative will combine online and in-person classes for state and local employees, a catalog of virtual courses for the public at large and research on the effectiveness of those approaches on campus and across North Carolina.<\/p>\n\n\n<blockquote class=\"has-custombg-six-text-color wp-block-ncst-pullquote\">\n  <div class=\"pullquote-container\">\n    <p class=\"pullquote-content\">\u201cFocusing on financial literacy is a way to impact a lot of people. It is crucial in people\u2019s everyday lives.\u201d<\/p>\n  <\/div>\n<\/blockquote>\n\n\n\n<p>\u201cFocusing on financial literacy is a way to impact a lot of people,\u201d said Srini Krishnamurthy, an associate professor of finance. \u201cIt\u2019s crucial in people\u2019s everyday lives.\u201d<\/p>\n\n\n<aside class=\"left-aside wp-block-ncst-aside-widget\">\n    \n<div class=\"has-custombg-seven-text-color ncst-fact wp-block-ncst-aside-fact\">\n      <span class=\"ncst-icon\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M3.49688 14.7544L4.88625 14.6606L2.15625 10.5867L0 14.9461L1.485 14.8523C2.00852 16.7508 3.03842 18.4712 4.46448 19.8294C5.89053 21.1876 7.65905 22.1324 9.58078 22.5628L10.012 20.6466C8.5027 20.3267 7.10489 19.6131 5.9606 18.5783C4.8163 17.5434 3.96628 16.2241 3.49688 14.7544Z\" fill=\"currentColor\" \/><path d=\"M14.7543 20.5031L14.6606 19.1138L10.5867 21.8438L14.946 24L14.8523 22.515C16.7537 21.9815 18.4748 20.9424 19.8326 19.5084C21.1903 18.0744 22.1338 16.2991 22.5628 14.3714L20.6465 13.9402C20.3275 15.4553 19.6149 16.8597 18.5805 18.0118C17.5461 19.164 16.2264 20.0232 14.7543 20.5031Z\" fill=\"currentColor\" \/><path d=\"M20.5032 9.24563L19.1138 9.33938L21.8438 13.4133L24 9.05391L22.515 9.14766C21.9833 7.24034 20.9457 5.51231 19.5121 4.14653C18.0785 2.78076 16.3023 1.82808 14.3714 1.38937L13.9402 3.30562C15.4549 3.64244 16.8562 4.36699 18.0067 5.40827C19.1572 6.44956 20.0174 7.77186 20.5032 9.24563Z\" fill=\"currentColor\" \/><path d=\"M9.24565 3.49688L9.3394 4.88625L13.4133 2.15625L9.05394 0L9.10081 1.485C7.20994 2.02349 5.49765 3.05823 4.14164 4.48182C2.78564 5.90541 1.83535 7.66597 1.3894 9.58078L3.30565 10.012C3.64365 8.50326 4.36933 7.10874 5.41103 5.96616C6.45274 4.82359 7.77445 3.97248 9.24565 3.49688Z\" fill=\"currentColor\" \/><path d=\"M11.4015 18.7303H12.5031V17.4844C14.3715 17.4375 15.617 16.335 15.617 14.3709C15.6707 14.0288 15.6469 13.6791 15.5474 13.3474C15.4478 13.0157 15.2751 12.7106 15.0418 12.4547C14.5076 11.9539 13.869 11.5777 13.172 11.3531L12.549 11.1136V8.00016C13.3637 8.23969 13.6988 8.95828 13.7467 10.2502H15.4234V6.8025H13.7963V7.66453C13.486 7.21829 13.0279 6.89605 12.5031 6.75469V5.3175H11.4015V6.60938C9.48525 6.60938 8.2876 7.80703 8.2876 9.67547C8.2876 11.3517 9.34135 11.9747 10.7307 12.5016L11.4015 12.7889V16.0945C10.3473 15.855 10.0121 14.753 10.0121 13.6514H8.2876V17.2922H9.91603V16.2877C10.0606 16.5745 10.2703 16.8236 10.5282 17.0151C10.7861 17.2065 11.0851 17.3352 11.4015 17.3906V18.7303ZM12.5509 13.1719C12.8767 13.256 13.1639 13.4493 13.3644 13.7195C13.565 13.9898 13.6668 14.3206 13.6529 14.6569C13.6509 14.9783 13.5413 15.2898 13.3415 15.5416C13.1418 15.7935 12.8634 15.9711 12.5509 16.0463V13.1719ZM10.3009 9.29156C10.3017 9.10355 10.3403 8.91761 10.4144 8.74481C10.4884 8.572 10.5965 8.41585 10.7321 8.28562C10.9292 8.12714 11.1579 8.0127 11.4029 7.95V10.6613C10.7996 10.4227 10.2995 10.0402 10.2995 9.29344L10.3009 9.29156Z\" fill=\"currentColor\" \/><\/svg>\n\n    <\/span>\n              <h2 class=\"fact__heading\">+11% family and individual bankruptcy claims in 2024-2025 in North Carolina.<\/h2>\n            <p class=\"fact__support\">\n              <em>U.S. House Budget Committee<\/em>\n          <\/p>\n      <\/div>\n\n\n  <\/aside>\n\n\n\n<p>It starts with the <a href=\"https:\/\/fli.poole.ncsu.edu\/programs\/financial-literacy-program\/\">Financial Literacy Program<\/a>, cofounded by Krishnamurthy and Poole faculty Umut Dur and Denis Pelletier, which has delivered evidence-based, research-backed program knowledge to more than 250 North Carolinians since launching in June 2025.<\/p>\n\n\n\n<p>There\u2019s no shortage of personal finance advice on the Internet. But much of it, Krishnamurthy said, comes from vendors who are selling a product or service. Guidance from neutral agencies like the Federal Reserve Bank focuses on specific tasks \u2014 like how to open a savings account or balance a checkbook \u2014 without connecting them to strategies that improve overall financial health. It\u2019s a little like a cookbook that teaches how to measure spices or chop vegetables but doesn\u2019t offer recipes.<\/p>\n\n\n\n<p>\u201cIt really doesn\u2019t get to the root cause of the problem, which is that people don\u2019t know how to do finance,\u201d Krishnamurthy said.<\/p>\n\n\n<aside class=\"right-aside wp-block-ncst-aside-widget\">\n    \n<div class=\"has-custombg-two-text-color ncst-fact wp-block-ncst-aside-fact\">\n      <span class=\"ncst-icon\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><g><polygon points=\"366.64 164.5 290.73 164.5 297.54 170.78 362.45 170.78 366.64 164.5\" \/><path d=\"M150.97,103.17v.21c-5.22-2.69-10.88-4.85-16.78-6.42v-.1c5.9,1.53,11.56,3.65,16.78,6.32Z\" \/><path d=\"M135.62,318.02c-.48.14-.95.27-1.43.39v-.02c.48-.13.95-.25,1.43-.37Z\" \/><polygon points=\"347.95 255.06 343.08 259.25 481.24 259.25 481.24 252.44 350.86 252.44 347.95 255.06\" \/><polygon points=\"240.48 252.44 235.76 259.25 340.99 259.25 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\/><\/g><\/g><path d=\"M225.06,336.02v115.67H0v-115.67l63.12-29.15c11.99,7.73,25.71,12.29,39.69,13.71,2.86.29,6.3.58,9.42.58h.58c3.15,0,6.57-.29,9.71-.58,1.68-.21,3.35-.48,5.01-.77,2.24-.39,4.45-.85,6.65-1.41.48-.12.95-.25,1.43-.39.6-.15,1.2-.31,1.78-.48,3.21-.91,6.38-1.99,9.49-3.25,1.37-.56,2.73-1.14,4.08-1.76.06-.02.12-.06.19-.08,3.19-1.47,6.32-3.15,9.36-4.99l33.81,14.96.41.19,30.33,13.42Z\" \/><\/g><\/svg>\n\n    <\/span>\n              <h2 class=\"fact__heading\">After taking the course, participants&#8217; self-assessed comfort with major financial decisions increased from 44% to 89%.<\/h2>\n            <\/div>\n\n\n  <\/aside>\n\n\n\n<p>The Poole program offers unbiased, research-backed teaching on foundational financial concepts, including the time value of money, inflation and how interest can work for (and against) you.<\/p>\n\n\n\n<p>Students walk away from the course with useful tools, too. Course videos and handouts are always available to them. So are spreadsheets with built-in formulas related to assessing loans, estimating retirement savings needs and comparing investment vehicles.&nbsp;<\/p>\n\n\n\n<p>The course also integrates insights from current finance research. A module on mutual funds, for example, reflects the emerging consensus that mutual fund performance doesn\u2019t persist over time. Kristhnamurthy\u2019s own research helped develop that idea.<\/p>\n\n\n<blockquote class=\"has-custombg-six-text-color wp-block-ncst-pullquote\">\n  <div class=\"pullquote-container\">\n    <p class=\"pullquote-content\">\u201cKnowing the research and bringing it in a way people can use \u2014 that\u2019s a real differentiator for us.\u201d<\/p>\n  <\/div>\n<\/blockquote>\n\n\n<aside class=\"left-aside wp-block-ncst-aside-widget\">\n    \n<div class=\"has-custombg-two-text-color ncst-fact wp-block-ncst-aside-fact\">\n      <span class=\"ncst-icon\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><g><polygon points=\"366.64 164.5 290.73 164.5 297.54 170.78 362.45 170.78 366.64 164.5\" \/><path d=\"M150.97,103.17v.21c-5.22-2.69-10.88-4.85-16.78-6.42v-.1c5.9,1.53,11.56,3.65,16.78,6.32Z\" \/><path d=\"M135.62,318.02c-.48.14-.95.27-1.43.39v-.02c.48-.13.95-.25,1.43-.37Z\" \/><polygon points=\"347.95 255.06 343.08 259.25 481.24 259.25 481.24 252.44 350.86 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\/><path d=\"M106.78,116.53c.17,0,.33-.02.5-.02-.35.02-.68.04-1.04.08.1-.02.19-.02.27-.04.08-.02.14-.02.23-.02h.04Z\" \/><path d=\"M117.78,290.92c.17,0,.33,0,.5-.02-.37.04-.77.08-1.16.08.08-.02.16-.02.25-.02.14-.02.29-.04.41-.04Z\" \/><path d=\"M150.97,277.77c.06-.04.12-.1.19-.14v.33c-.06.04-.12.11-.19.15v-.33Z\" \/><path d=\"M151.15,129.47s.06.04.08.06c-.02,0-.06-.02-.08-.04v-.02Z\" \/><path d=\"M167.43,261.49c.35-.5.73-1.02,1.08-1.51-.35.5-.7,1.02-1.06,1.51h-.02Z\" \/><path d=\"M168.51,259.98c.7-.97,1.39-1.99,2.03-3-.31.52-.64,1.02-.97,1.51-.33.5-.7.99-1.06,1.49Z\" \/><path d=\"M173.32,252.44c-.5.87-1.02,1.74-1.53,2.59-.04.06-.08.12-.12.19-.33.56-.68,1.12-1.06,1.68v-4.45h2.71Z\" \/><path d=\"M150.97,103.17c-5.22-2.67-10.88-4.78-16.78-6.32v.1c5.9,1.58,11.56,3.73,16.78,6.42.02.02.04.02.06.04.04.02.08.04.12.06v-.21c-.06-.04-.12-.06-.19-.11ZM151.15,129.47v.02s.06.04.08.04c-.02-.02-.04-.04-.08-.06ZM117.78,290.92c-.12,0-.27.02-.41.04-.08,0-.17,0-.25.02.39,0,.79-.04,1.16-.08-.17.02-.33.02-.5.02ZM106.64,290.9c-1.12-.08-2.26-.19-3.4-.29-36.27-5.45-63.97-42.28-63.97-86.83,0-16.78,3.98-32.52,10.9-45.9,7.89-15.29,19.64-27.47,33.66-34.63,4-2.3,8.29-3.71,12.55-4.85.58-.15,1.16-.29,1.72-.41.43-.1.85-.21,1.28-.29.5-.13,1-.23,1.51-.31.23-.06.46-.1.68-.12.08-.02.16-.04.25-.04.48-.1.95-.19,1.45-.25.58-.1,1.16-.19,1.74-.25.41-.06.83-.1,1.22-.12.35-.04.68-.06,1.04-.08.02-.02.04-.02.08-.02l.02-.02c-.06,0-.12,0-.19.02h-.25c-.06,0-.12.02-.19.02-.33.02-.64.04-.95.08-.1,0-.21.02-.31.04-.35.02-.7.06-1.08.11-.52.06-1.04.14-1.57.23-2.32.35-4.6.85-6.88,1.43-4.29,1.14-8.58,2.55-12.57,4.85-14.02,7.17-25.75,19.35-33.64,34.63-6.92,13.38-10.92,29.13-10.92,45.9,0,44.56,27.72,81.39,63.97,86.83,1.01.08,2.03.17,3.02.25,1.01.08,2.01.15,3.02.21h.08c.46.02.91.04,1.37.06-1.22-.06-2.44-.15-3.67-.23ZM107.38,116.47s.04,0,.04.02c.17-.04.35-.04.54-.04-.21,0-.39,0-.58.02Z\" \/><\/g><\/g><path d=\"M225.06,336.02v115.67H0v-115.67l63.12-29.15c11.99,7.73,25.71,12.29,39.69,13.71,2.86.29,6.3.58,9.42.58h.58c3.15,0,6.57-.29,9.71-.58,1.68-.21,3.35-.48,5.01-.77,2.24-.39,4.45-.85,6.65-1.41.48-.12.95-.25,1.43-.39.6-.15,1.2-.31,1.78-.48,3.21-.91,6.38-1.99,9.49-3.25,1.37-.56,2.73-1.14,4.08-1.76.06-.02.12-.06.19-.08,3.19-1.47,6.32-3.15,9.36-4.99l33.81,14.96.41.19,30.33,13.42Z\" \/><\/g><\/svg>\n\n    <\/span>\n              <h2 class=\"fact__heading\">Self-assessed financial knowledge more than doubled after the course, rising from 31% to 69%.<\/h2>\n            <\/div>\n\n\n  <\/aside>\n\n\n\n<p>\u201cThat has real implications for retirement planning,\u201d Krishnamurthy said. \u201cKnowing the research and bringing it in a way people can use \u2014 that\u2019s a real differentiator for us.\u201d<\/p>\n\n\n\n<p>The first cohort of 250 students showed marked improvement in financial knowledge and confidence after taking the course, according to survey data. 75% of students correctly compared returns on different asset classes after the class, up from 45% before it.&nbsp;<\/p>\n\n\n\n<p>Perhaps more importantly, confidence in financial decisionmaking doubled \u2014 89% of participants said they felt confident handling significant financial decisions after completing the program, up from 44% beforehand.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Scaling Up to Serve<\/strong><\/h2>\n\n\n\n<p>The Financial Literacy Program originally spun out of Provost Warwick Arden\u2019s Strengthening the Impact of Research (STIR) program. As part of STIR, Krishnamurthy developed early versions of the course that he taught at a Wake County high school and in local public libraries.<\/p>\n\n\n\n<p>Further support followed: $10,000 from <a href=\"https:\/\/news.giving.ncsu.edu\/2026\/01\/second-annual-wwip-impact-grants-awarded\/\">Wolfpack Women in Philanthropy<\/a> and a $350,000 grant from the <a href=\"https:\/\/icmmnc.org\/providing-financial-education-to-north-carolina-employees\/\">Institute of Consumer Money Management (ICMM)<\/a>, a nonprofit devoted to supporting research that promotes financial security for low- to moderate-income consumers. Those funds have helped Krishnamurthy&nbsp; Dur, and Pelletier expand the curriculum and tailor it for public employees. As of March, program leaders were in discussions to make the course part of onboarding for NC State faculty and staff. They\u2019re also in talks with the City of Raleigh about offering an in-person version to municipal employees.<\/p>\n\n\n<aside class=\"right-aside wp-block-ncst-aside-widget\">\n    \n<div class=\"has-custombg-seven-text-color ncst-fact wp-block-ncst-aside-fact\">\n      <span class=\"ncst-icon\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M3.49688 14.7544L4.88625 14.6606L2.15625 10.5867L0 14.9461L1.485 14.8523C2.00852 16.7508 3.03842 18.4712 4.46448 19.8294C5.89053 21.1876 7.65905 22.1324 9.58078 22.5628L10.012 20.6466C8.5027 20.3267 7.10489 19.6131 5.9606 18.5783C4.8163 17.5434 3.96628 16.2241 3.49688 14.7544Z\" fill=\"currentColor\" \/><path d=\"M14.7543 20.5031L14.6606 19.1138L10.5867 21.8438L14.946 24L14.8523 22.515C16.7537 21.9815 18.4748 20.9424 19.8326 19.5084C21.1903 18.0744 22.1338 16.2991 22.5628 14.3714L20.6465 13.9402C20.3275 15.4553 19.6149 16.8597 18.5805 18.0118C17.5461 19.164 16.2264 20.0232 14.7543 20.5031Z\" fill=\"currentColor\" \/><path d=\"M20.5032 9.24563L19.1138 9.33938L21.8438 13.4133L24 9.05391L22.515 9.14766C21.9833 7.24034 20.9457 5.51231 19.5121 4.14653C18.0785 2.78076 16.3023 1.82808 14.3714 1.38937L13.9402 3.30562C15.4549 3.64244 16.8562 4.36699 18.0067 5.40827C19.1572 6.44956 20.0174 7.77186 20.5032 9.24563Z\" fill=\"currentColor\" \/><path d=\"M9.24565 3.49688L9.3394 4.88625L13.4133 2.15625L9.05394 0L9.10081 1.485C7.20994 2.02349 5.49765 3.05823 4.14164 4.48182C2.78564 5.90541 1.83535 7.66597 1.3894 9.58078L3.30565 10.012C3.64365 8.50326 4.36933 7.10874 5.41103 5.96616C6.45274 4.82359 7.77445 3.97248 9.24565 3.49688Z\" fill=\"currentColor\" \/><path d=\"M11.4015 18.7303H12.5031V17.4844C14.3715 17.4375 15.617 16.335 15.617 14.3709C15.6707 14.0288 15.6469 13.6791 15.5474 13.3474C15.4478 13.0157 15.2751 12.7106 15.0418 12.4547C14.5076 11.9539 13.869 11.5777 13.172 11.3531L12.549 11.1136V8.00016C13.3637 8.23969 13.6988 8.95828 13.7467 10.2502H15.4234V6.8025H13.7963V7.66453C13.486 7.21829 13.0279 6.89605 12.5031 6.75469V5.3175H11.4015V6.60938C9.48525 6.60938 8.2876 7.80703 8.2876 9.67547C8.2876 11.3517 9.34135 11.9747 10.7307 12.5016L11.4015 12.7889V16.0945C10.3473 15.855 10.0121 14.753 10.0121 13.6514H8.2876V17.2922H9.91603V16.2877C10.0606 16.5745 10.2703 16.8236 10.5282 17.0151C10.7861 17.2065 11.0851 17.3352 11.4015 17.3906V18.7303ZM12.5509 13.1719C12.8767 13.256 13.1639 13.4493 13.3644 13.7195C13.565 13.9898 13.6668 14.3206 13.6529 14.6569C13.6509 14.9783 13.5413 15.2898 13.3415 15.5416C13.1418 15.7935 12.8634 15.9711 12.5509 16.0463V13.1719ZM10.3009 9.29156C10.3017 9.10355 10.3403 8.91761 10.4144 8.74481C10.4884 8.572 10.5965 8.41585 10.7321 8.28562C10.9292 8.12714 11.1579 8.0127 11.4029 7.95V10.6613C10.7996 10.4227 10.2995 10.0402 10.2995 9.29344L10.3009 9.29156Z\" fill=\"currentColor\" \/><\/svg>\n\n    <\/span>\n              <h2 class=\"fact__heading\"><strong>$<\/strong>10,672  is the<strong> average household credit card debt<\/strong> in North Carolina.<\/h2>\n            <p class=\"fact__support\">\n              <em><em>Wallethub, 2025<\/em><\/em>\n          <\/p>\n      <\/div>\n\n\n  <\/aside>\n\n\n\n<p>Throughout early 2026, Krishnamurthy, Dur and Poole economist Denis Pelletier also taught the course online to anyone interested. That experience points toward the program\u2019s future: a rich collection of online videos on a range of financial topics that North Carolinians can access any time they want, with curation aided by NC State experts and AI tools.<\/p>\n\n\n\n<p>Getting there will require more support, according to Financial Literacy Initiative director Richard Warr: more faculty and students involved in developing the program, more partners to help it grow, more N.C. citizens eager to improve their understanding of how money works.<\/p>\n\n\n\n<p>\u201cWe see the opportunity to do something bigger and bolder,\u201d said Warr, who is also associate dean for research. \u201cWe want to become the trusted, respected source of financial literacy education in the state.\u201d<\/p>\n\n\n<blockquote class=\"has-custombg-six-text-color wp-block-ncst-pullquote\">\n  <div class=\"pullquote-container\">\n    <p class=\"pullquote-content\">\u201cWe see the opportunity to do something bigger and bolder. We want to become the trusted, respected source of financial literacy education in the state.\u201d<\/p>\n  <\/div>\n<\/blockquote>\n\n\n<div class=\"ncst-magazine-preview  wp-block-ncst-magazine-preview has-custombg-four-background-color\">\n    <h2 class=\"magazine-preview__heading\">More from Poole Business: Spring 2026<\/h2>\n          <p class=\"magazine-preview__teaser\">At Poole College, we create impact by preparing students for meaningful careers, generating knowledge that informs practice, and engaging with organizations and communities in ways that make a difference.<\/p>\n    \n    <div class=\"magazine-preview__stories-container\">\n      <a\n    class=\"ncst-content-card \"\n    href=\"https:\/\/poole.ncsu.edu\/magazine\/top-insights-from-the-think-and-do-business-school\/\"\n  >\n  \n          <div class=\"content-card__image-container\">\n        <div class=\"content-card__image-background\">\n          <img decoding=\"async\"\n            class=\"content-card__image wp-image-&lt;img width=&quot;1500&quot; height=&quot;844&quot; src=&quot;https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/top-PTL-header-0426-1500x844-1.jpg&quot; class=&quot;attachment-post-thumbnail size-post-thumbnail wp-post-image&quot; alt=&quot;Person scrolling news on a tablet&quot; srcset=&quot;https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/top-PTL-header-0426-1500x844-1.jpg 1500w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/top-PTL-header-0426-1500x844-1-300x169.jpg 300w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/top-PTL-header-0426-1500x844-1-1024x576.jpg 1024w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/top-PTL-header-0426-1500x844-1-768x432.jpg 768w&quot; sizes=&quot;(max-width: 1500px) 100vw, 1500px&quot; \/&gt;\"\n            alt=\"\"\n            src=\"https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/top-PTL-header-0426-1500x844-1.jpg\"\n            style=\"aspect-ratio: 16\/9; object-fit: cover; \"\n          \/>\n        <\/div>\n      <\/div>\n    \n    <div class=\"content-card__text-container\">\n      \n                        <h3 class=\"content-card__headline\">Top Insights From the Think and Do Business School<\/h3>\n              \n\n              \n\t      \t        <p class=\"content-card__teaser\"><span class=\"text\">Poole scholars offer clear thinking on complex issues in a range of disciplines. <\/span><span class=\"arrow-indicator\"><svg class=\"wolficon wolficon-arrow-right-light\" role=\"img\"  aria-hidden=\"true\">\n\t\t\t\n\t\t\t<use xlink:href=\"#wolficon-arrow-right-light\">\n\t\t<\/svg><\/span><\/p>\n\t      \t    \n          <\/div>\n\n  <\/a>\n<a\n    class=\"ncst-content-card \"\n    href=\"https:\/\/poole.ncsu.edu\/magazine\/from-launch-to-legacy\/\"\n  >\n  \n          <div class=\"content-card__image-container\">\n        <div class=\"content-card__image-background\">\n          <img decoding=\"async\"\n            class=\"content-card__image wp-image-&lt;img width=&quot;1500&quot; height=&quot;844&quot; src=&quot;https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/giving-Chip-Lyn-Andrews-1500x844-1.jpg&quot; class=&quot;attachment-post-thumbnail size-post-thumbnail wp-post-image&quot; alt=&quot;One man and one woman&quot; srcset=&quot;https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/giving-Chip-Lyn-Andrews-1500x844-1.jpg 1500w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/giving-Chip-Lyn-Andrews-1500x844-1-300x169.jpg 300w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/giving-Chip-Lyn-Andrews-1500x844-1-1024x576.jpg 1024w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/giving-Chip-Lyn-Andrews-1500x844-1-768x432.jpg 768w&quot; sizes=&quot;(max-width: 1500px) 100vw, 1500px&quot; \/&gt;\"\n            alt=\"\"\n            src=\"https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/giving-Chip-Lyn-Andrews-1500x844-1.jpg\"\n            style=\"aspect-ratio: 16\/9; object-fit: cover; \"\n          \/>\n        <\/div>\n      <\/div>\n    \n    <div class=\"content-card__text-container\">\n      \n                        <h3 class=\"content-card__headline\">From Launch to Legacy<\/h3>\n              \n\n              \n\t      \t        <p class=\"content-card__teaser\"><span class=\"text\">Chip and Lyn Andrews renew their investment in the Andrews Launch Accelerator, further fueling opportunities for NC State founders.<\/span><span class=\"arrow-indicator\"><svg class=\"wolficon wolficon-arrow-right-light\" role=\"img\"  aria-hidden=\"true\">\n\t\t\t\n\t\t\t<use xlink:href=\"#wolficon-arrow-right-light\">\n\t\t<\/svg><\/span><\/p>\n\t      \t    \n          <\/div>\n\n  <\/a>\n<a\n    class=\"ncst-content-card \"\n    href=\"https:\/\/poole.ncsu.edu\/magazine\/brewing-change\/\"\n  >\n  \n          <div class=\"content-card__image-container\">\n        <div class=\"content-card__image-background\">\n          <img decoding=\"async\"\n            class=\"content-card__image wp-image-&lt;img width=&quot;2560&quot; height=&quot;905&quot; src=&quot;https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/321-alumni-banner-500x530-1-scaled.jpg&quot; class=&quot;attachment-post-thumbnail size-post-thumbnail wp-post-image&quot; alt=&quot;Two female and one male barista in cafe&quot; srcset=&quot;https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/321-alumni-banner-500x530-1-scaled.jpg 2560w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/321-alumni-banner-500x530-1-300x106.jpg 300w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/321-alumni-banner-500x530-1-1024x362.jpg 1024w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/321-alumni-banner-500x530-1-768x271.jpg 768w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/321-alumni-banner-500x530-1-1536x543.jpg 1536w, https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/321-alumni-banner-500x530-1-2048x724.jpg 2048w&quot; sizes=&quot;(max-width: 1500px) 100vw, 1500px&quot; \/&gt;\"\n            alt=\"\"\n            src=\"https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/321-alumni-banner-500x530-1-scaled.jpg\"\n            style=\"aspect-ratio: 16\/9; object-fit: cover; \"\n          \/>\n        <\/div>\n      <\/div>\n    \n    <div class=\"content-card__text-container\">\n      \n                        <h3 class=\"content-card__headline\">Brewing Change<\/h3>\n              \n\n              \n\t      \t        <p class=\"content-card__teaser\"><span class=\"text\">Poole alumna Lindsay Wrege, co-founder of 321 Coffee, is redefining inclusion through meaningful employment.<\/span><span class=\"arrow-indicator\"><svg class=\"wolficon wolficon-arrow-right-light\" role=\"img\"  aria-hidden=\"true\">\n\t\t\t\n\t\t\t<use xlink:href=\"#wolficon-arrow-right-light\">\n\t\t<\/svg><\/span><\/p>\n\t      \t    \n          <\/div>\n\n  <\/a>\n\n    <\/div>\n\n            <a href=\"https:\/\/poole.ncsu.edu\/magazine\/issues\/poole-business-spring-2026\/\" class=\"magazine-preview__link\">\n          <span class=\"text\">See all in current issue<\/span><span class=\"arrow-indicator\"><svg class=\"wolficon wolficon-arrow-right-bold\" role=\"img\"  aria-hidden=\"true\">\n\t\t\t\n\t\t\t<use xlink:href=\"#wolficon-arrow-right-bold\">\n\t\t<\/svg><\/span>\n        <\/a>\n    <\/div>\n","protected":false,"raw":"<!-- wp:ncst\/dynamic-header {\"block\":\"ncst\/side-by-side-header\"} -->\n<!-- wp:ncst\/side-by-side-header {\"backgroundColor\":\"custombg_six\",\"caption\":\"\",\"focalPoint\":{\"x\":0.48,\"y\":0.44},\"subtitle\":\"A new Poole College initiative aims to improve people\u2019s understanding of how money works.\"} \/-->\n<!-- \/wp:ncst\/dynamic-header -->\n\n<!-- wp:paragraph {\"className\":\"is-style-lead\"} -->\n<p class=\"is-style-lead\">As a land-grant university, NC State\u2019s core mission is to use its research and engagement engine to help drive economic growth in the state. Traditionally, that\u2019s meant giving farmers in the field access to new methods and tools from the university\u2019s agriculture and extension experts.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A new Poole College of Management&nbsp;program is doing the same thing with something less tangible but equally essential: personal financial literacy. The <a href=\"https:\/\/fli.poole.ncsu.edu\/\">Financial Literacy Initiative<\/a> is an effort to improve people\u2019s understanding of how money works, from the NC State campus to every corner of the state.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:ncst\/aside-widget -->\n<!-- wp:ncst\/aside-fact {\"svgSlug\":\"piggybank\",\"heading\":\"54% of North Carolinians\\u003cstrong\\u003e find it difficult to afford monthly expenses\\u003c\/strong\\u003e.\",\"support\":\"C\\u003cem\\u003eatawba College\/YouGov survey, January 2026\\u003c\/em\\u003e\",\"textColor\":\"custombg_seven\"} \/-->\n<!-- \/wp:ncst\/aside-widget -->\n\n<!-- wp:paragraph -->\n<p>The initiative will combine online and in-person classes for state and local employees, a catalog of virtual courses for the public at large and research on the effectiveness of those approaches on campus and across North Carolina.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:ncst\/pullquote {\"value\":\"\u201cFocusing on financial literacy is a way to impact a lot of people. It is crucial in people\u2019s everyday lives.\u201d\",\"textColor\":\"custombg_six\"} \/-->\n\n<!-- wp:paragraph -->\n<p>\u201cFocusing on financial literacy is a way to impact a lot of people,\u201d said Srini Krishnamurthy, an associate professor of finance. \u201cIt\u2019s crucial in people\u2019s everyday lives.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:ncst\/aside-widget {\"alignment\":\"left\"} -->\n<!-- wp:ncst\/aside-fact {\"svgSlug\":\"roi\",\"heading\":\"+11% family and individual bankruptcy claims in 2024-2025 in North Carolina.\",\"support\":\"\\u003cem\\u003eU.S. House Budget Committee\\u003c\/em\\u003e\",\"textColor\":\"custombg_seven\"} \/-->\n<!-- \/wp:ncst\/aside-widget -->\n\n<!-- wp:paragraph -->\n<p>It starts with the <a href=\"https:\/\/fli.poole.ncsu.edu\/programs\/financial-literacy-program\/\">Financial Literacy Program<\/a>, cofounded by Krishnamurthy and Poole faculty Umut Dur and Denis Pelletier, which has delivered evidence-based, research-backed program knowledge to more than 250 North Carolinians since launching in June 2025.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There\u2019s no shortage of personal finance advice on the Internet. But much of it, Krishnamurthy said, comes from vendors who are selling a product or service. Guidance from neutral agencies like the Federal Reserve Bank focuses on specific tasks \u2014 like how to open a savings account or balance a checkbook \u2014 without connecting them to strategies that improve overall financial health. It\u2019s a little like a cookbook that teaches how to measure spices or chop vegetables but doesn\u2019t offer recipes.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\u201cIt really doesn\u2019t get to the root cause of the problem, which is that people don\u2019t know how to do finance,\u201d Krishnamurthy said.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:ncst\/aside-widget -->\n<!-- wp:ncst\/aside-fact {\"svgSlug\":\"graph-increase\",\"heading\":\"After taking the course, participants' self-assessed comfort with major financial decisions increased from 44% to 89%.\",\"textColor\":\"custombg_two\"} \/-->\n<!-- \/wp:ncst\/aside-widget -->\n\n<!-- wp:paragraph -->\n<p>The Poole program offers unbiased, research-backed teaching on foundational financial concepts, including the time value of money, inflation and how interest can work for (and against) you.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Students walk away from the course with useful tools, too. Course videos and handouts are always available to them. So are spreadsheets with built-in formulas related to assessing loans, estimating retirement savings needs and comparing investment vehicles.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The course also integrates insights from current finance research. A module on mutual funds, for example, reflects the emerging consensus that mutual fund performance doesn\u2019t persist over time. Kristhnamurthy\u2019s own research helped develop that idea.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:ncst\/pullquote {\"value\":\"\u201cKnowing the research and bringing it in a way people can use \u2014 that\u2019s a real differentiator for us.\u201d\",\"textColor\":\"custombg_six\"} \/-->\n\n<!-- wp:ncst\/aside-widget {\"alignment\":\"left\"} -->\n<!-- wp:ncst\/aside-fact {\"svgSlug\":\"graph-increase\",\"heading\":\"Self-assessed financial knowledge more than doubled after the course, rising from 31% to 69%.\",\"textColor\":\"custombg_two\"} \/-->\n<!-- \/wp:ncst\/aside-widget -->\n\n<!-- wp:paragraph -->\n<p>\u201cThat has real implications for retirement planning,\u201d Krishnamurthy said. \u201cKnowing the research and bringing it in a way people can use \u2014 that\u2019s a real differentiator for us.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The first cohort of 250 students showed marked improvement in financial knowledge and confidence after taking the course, according to survey data. 75% of students correctly compared returns on different asset classes after the class, up from 45% before it.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Perhaps more importantly, confidence in financial decisionmaking doubled \u2014 89% of participants said they felt confident handling significant financial decisions after completing the program, up from 44% beforehand.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"levelOptions\":[2,3,4,5,6]} -->\n<h2><strong>Scaling Up to Serve<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The Financial Literacy Program originally spun out of Provost Warwick Arden\u2019s Strengthening the Impact of Research (STIR) program. As part of STIR, Krishnamurthy developed early versions of the course that he taught at a Wake County high school and in local public libraries.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Further support followed: $10,000 from <a href=\"https:\/\/news.giving.ncsu.edu\/2026\/01\/second-annual-wwip-impact-grants-awarded\/\">Wolfpack Women in Philanthropy<\/a> and a $350,000 grant from the <a href=\"https:\/\/icmmnc.org\/providing-financial-education-to-north-carolina-employees\/\">Institute of Consumer Money Management (ICMM)<\/a>, a nonprofit devoted to supporting research that promotes financial security for low- to moderate-income consumers. Those funds have helped Krishnamurthy&nbsp; Dur, and Pelletier expand the curriculum and tailor it for public employees. As of March, program leaders were in discussions to make the course part of onboarding for NC State faculty and staff. They\u2019re also in talks with the City of Raleigh about offering an in-person version to municipal employees.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:ncst\/aside-widget -->\n<!-- wp:ncst\/aside-fact {\"svgSlug\":\"price-tag\",\"heading\":\"\\u003cstrong\\u003e$\\u003c\/strong\\u003e10,672  is the\\u003cstrong\\u003e average household credit card debt\\u003c\/strong\\u003e in North Carolina.\",\"support\":\"\\u003cem\\u003e\\u003cem\\u003eWallethub, 2025\\u003c\/em\\u003e\\u003c\/em\\u003e\",\"textColor\":\"custombg_seven\"} \/-->\n<!-- \/wp:ncst\/aside-widget -->\n\n<!-- wp:paragraph -->\n<p>Throughout early 2026, Krishnamurthy, Dur and Poole economist Denis Pelletier also taught the course online to anyone interested. That experience points toward the program\u2019s future: a rich collection of online videos on a range of financial topics that North Carolinians can access any time they want, with curation aided by NC State experts and AI tools.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Getting there will require more support, according to Financial Literacy Initiative director Richard Warr: more faculty and students involved in developing the program, more partners to help it grow, more N.C. citizens eager to improve their understanding of how money works.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\u201cWe see the opportunity to do something bigger and bolder,\u201d said Warr, who is also associate dean for research. \u201cWe want to become the trusted, respected source of financial literacy education in the state.\u201d<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:ncst\/pullquote {\"value\":\"\u201cWe see the opportunity to do something bigger and bolder. We want to become the trusted, respected source of financial literacy education in the state.\u201d\",\"textColor\":\"custombg_six\"} \/-->\n\n<!-- wp:ncst\/magazine-preview {\"backgroundColor\":\"custombg_four\",\"issueID\":84} \/-->"},"excerpt":{"rendered":"<p>A new Poole College initiative aims to improve people\u2019s understanding of how money works.<\/p>\n","protected":false},"author":52483,"featured_media":515906,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"views\/single-immersive.blade.php","format":"standard","meta":{"_acf_changed":false,"source":"","ncst_custom_author":"Jimmy Ryals","ncst_show_custom_author":true,"ncst_dynamicHeaderBlockName":"ncst\/side-by-side-header","ncst_dynamicHeaderData":"{\"backgroundColor\":\"custombg_six\",\"caption\":\"\",\"focalPoint\":{\"x\":0.48,\"y\":0.44},\"showAuthor\":true,\"showDate\":true,\"subtitle\":\"A new Poole College initiative aims to improve people\u2019s understanding of how money works.\",\"showFeaturedVideo\":false,\"image\":\"{\\\"alt\\\":\\\"Three male professors\\\",\\\"id\\\":515832,\\\"caption\\\":\\\"\\\",\\\"url\\\":\\\"https:\/\/poole.ncsu.edu\/magazine\/wp-content\/uploads\/sites\/425\/2026\/04\/Fin-Literacy-1000x1500-1-683x1024.jpg\\\"}\",\"displayCategoryID\":9}","ncst_content_audit_freq":"","ncst_content_audit_date":"","ncst_content_audit_display":false,"ncst_backToTopFlag":"","footnotes":""},"categories":[9,26],"tags":[],"_ncst_magazine_issue":[84],"class_list":["post-515670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-global","category-newswire"],"displayCategory":{"term_id":9,"name":"Local and Global Engagement","slug":"local-global","term_group":0,"term_taxonomy_id":9,"taxonomy":"category","description":"","parent":0,"count":7,"filter":"raw"},"acf":{"ncst_posts_meta_modified_date":null},"_links":{"self":[{"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/posts\/515670","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/users\/52483"}],"replies":[{"embeddable":true,"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/comments?post=515670"}],"version-history":[{"count":10,"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/posts\/515670\/revisions"}],"predecessor-version":[{"id":515941,"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/posts\/515670\/revisions\/515941"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/media\/515906"}],"wp:attachment":[{"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/media?parent=515670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/categories?post=515670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/tags?post=515670"},{"taxonomy":"_ncst_magazine_issue","embeddable":true,"href":"https:\/\/poole.ncsu.edu\/magazine\/wp-json\/wp\/v2\/_ncst_magazine_issue?post=515670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}