Date of Award

Spring 5-20-2023

Document Type

Honors Project

University Scholars Director

Dr. Christine Chaney

First Advisor/Committee Member

Dr. Randy Beavers

Second Advisor/Committee Member

Dr. Jack DeJong


Financial Literacy, Personal Finance, Financial Education, Spending Habits


Humans are capable of not only understanding but operating with certain levels of autonomy to prepare for future circumstances, a fact pivotal to many problems facing society in today’s world. Among these problems is the issue of both poverty and financial instability, consequences in part due to a lack of understanding of personal finances in many adults. A partial solution being presented to this issue is the integration and teaching of eight significant finance related concepts to promote healthier financial decision-making, improve autonomy, and increase long-term happiness in individuals. Rather than covering specific teaching methods, the intent is to demonstrate the importance of these eight concepts and their practicality in relation to everyday finances. A secondary effect of understanding these concepts would also be eliminating the uncertainty which surrounds many young adults and understanding their finances, setting them up for future success in reaching financial goals.


Projected Submitted in order to fulfill the Honors Major requirements for Spring 2023

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