Whereas according to the 2015 Household Survey of the Federal Deposit Insurance Corporation, 26.9 percent of households in the United States, or close to 31,500,000 households with approximately 83,000,000 adults, are unbanked or underbanked and, subsequently, have missed opportunities for savings, lending, and basic financial services; Whereas according to the 2016 Consumer Financial Literacy Survey of the National Foundation for Credit Counseling, 44 percent of adults in the United States, or more than 110,000,000 adults living in the United States, gave themselves a grade of C, D, or F on their knowledge of personal finance; Whereas the 2016 Retirement Confidence Survey conducted by the Employee Benefit Research Institute found that only 21 percent of workers were very confident about having enough money for a comfortable retirement, reflecting a continuing discrepancy with pre-crisis confidence levels; Whereas according to the 2016 Retirement Confidence Survey conducted by the Employee Benefit Research Institute, less than half of workers and/or their spouse (48 percent) in the United States have tried to calculate how much they need to save for retirement; Whereas according to the February 2017 Quarterly Report on Household Debt and Credit by the Federal Reserve Bank of New York, household debt stood at $12,680,000,000,000 at the end of the fourth quarter of 2016, reflecting a 1.8 percent increase compared to the third quarter of 2016; Whereas according to the 2016 Consumer Financial Literacy Survey of the National Foundation for Credit Counseling, 22 percent, or nearly 55,000,000 adults, admit to not paying all of their bills on time; Whereas according to the 2016 Consumer Financial Literacy Survey of the National Foundation for Credit Counseling, only 40 percent of adults have a budget and keep close track of their spending