Automatic savings programs are a valuable resource for many people. Clear goals and a desire to change are also important and need to be addressed in financial education programs. Two additional topics of use to many people are dealing with debt and accumulating an emergency reserve. Debt and lack of savings were both frequently-mentioned obstacles to financial success. Thus, information is needed to help people analyze and narrow down their financial options.
Time is in scarce supply for many people, also.
Thus, information needs to be accessible in many formats. Finally, investing is a topic of great interest to many people and needs to be covered in educational programs. People were free to define it any way they wanted. Also, the results of this study are limited as data were obtained from a small convenience sample from a limited geographical area. More financially successful people could also have responded.