Although young adults are technically savvy, when it comes to financial management many are in debt, delinquent and living in deficit.

*In 2012, 56 percent of people in the U.S. had no 'rainy day funds' (FINRA Investor Education Foundation).

*More than half of millennials (about 54 percent) say debt is their "biggest financial concern" (Wells Fargo Study).

*Some 39 percent of millennials worry about their financial future "at least once a week" (Fidelity Study).

*There's a $6.6 trillion gap between the pensions and retirement savings of U.S. households and what they should have to maintain their living standards in retirement – and the gap is growing (Retirement Income Deficit report by Retirement USA).

*46 percent of Americans have less than $10,000 saved for retirement (Employment Benefit Research Institute).

*In December 2013, 19 percent of all homes owed at least 25 percent more on their mortgages than the home was worth (RealityTrac).

*Student-loan debt exceeds $1.1 Trillion (Fastweb and FinAid).

Many young adults feel they have not been provided with the information they need to make good financial decisions. This supplement will provide you with resources to be dfree®."