Lifestyle
POLL: MAJORITY OF U.S. ADULTS SUPPORT HIGH SCHOOLS REQUIRING FINANCIAL EDUCATION FOR GRADUATION
Americans overwhelmingly agree that learning money skills at an early age is important. In fact, 80% of American adults wish they had been required to take a semester- or year-long financial education class in high school. This polling reinforces the national support for personal finance to be a part of learning in all schools
Last Updated on July 27, 2024 by Daily News Staff
DENVER, Sept. 27, 2022 /PRNewswire/ — Most adults believe that students back in the classroom this fall should be required to take financial education courses, according to a poll from the National Endowment for Financial Education® (NEFE®). The poll finds 88% of U.S. adults say their state should require a semester- or year-long financial education course for graduation.
“Some states already require students to take a financial education course, and some states are in the process of instituting this curriculum. Americans overwhelmingly agree that learning money skills at an early age is important. In fact, 80% of American adults wish they had been required to take a semester- or year-long financial education class in high school,” says Billy Hensley, Ph.D., president and CEO of NEFE. “This polling reinforces the national support for personal finance to be a part of learning in all schools.”
Financial education has been a hot topic this year with more than half the state legislatures plus D.C. having introduced financial education-related bills. Nationwide, 15 states now either require a course or are implementing one.
NEFE and AmeriSpeak surveyed U.S. adults on high school financial education graduation requirements, what they wish they had access to when they were students and what they believe is important for existing students. High-level results from this polling include:
- 88% said their state should require a semester- or year-long financial education course for graduation.
- 80% said they wish they were required to take a semester- or year-long financial education course during high school.
- 75% said that spending and budgeting is the most important financial education topic to teach for personal finance education, followed by managing credit (55%), saving (49%) and earning income (47%).
A demographic breakdown of the data includes these highlights:
- Older cohorts (ages 45-59 and ages 60+) were significantly more likely than the youngest aged cohort (ages 18-29) to say their state should mandate financial education for high school graduation (18-29 y/o: 79%; 45-59 y/o: 93%; 60+ y/o: 92%).
- Adults with a postsecondary degree were significantly more likely to say their state should mandate financial education than adults with no high school diploma (91% vs. 71%).
- Men and women were similarly likely to indicate that their state should mandate financial education and wished they were required to complete a semester- or year-long course focused on personal finance education during high school.
- Adults with household income under $30,000 (73%) were less likely than the highest earning income groups—those earning $60,000 to $100,000 and those earning $100,000 or more (84% to 85%)—to say they wished they were required to complete a semester- or year-long course focused on personal finance education during high school.
- Non-Hispanic whites (84%) were more likely than non-Hispanic Blacks (73%) and Hispanic (73%) adults to say they wished they were required to complete a semester- or year-long course focused on personal finance education during high school.
“Now that school’s back in session, educators must be attentive that youth are being taught the important life skill of money management. There is tremendous demand, and research continues to validate that financial education builds a solid foundation for how students will manage their money as adults,” adds Hensley. “Legislation plays a role in school-based education, but also in working toward creating, and regulating, a financial system that provides a fair playing field for all.”
See the full summary report for a detailed overview of the poll results, demographic differences and full survey methodology.
For more information on NEFE consumer polls, click here.
About NEFE
The National Endowment for Financial Education (NEFE) is the independent, centralizing voice providing leadership, research and collaboration to champion effective financial education and advance financial well-being. NEFE has received national recognition for strengthening action-oriented research agendas, mobilizing intermediaries, and creating better solutions for researchers, educators, practitioners and policymakers. NEFE, one of the first organizations dedicated to this mission, is celebrating its 30th year of operations in 2022. For more information, visit www.nefe.org.
SOURCE National Endowment for Financial Education
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health and wellness
Heat waves can leave homes dangerously hot – even for young, healthy adults
Heat waves can turn homes into dangerous heat traps—especially during blackouts or in houses without AC—pushing indoor temperatures and humidity into lethal territory even for young, healthy adults, not just the elderly.
Heat waves can leave homes dangerously hot – even for young, healthy adults
Zoltan Nagy, Eindhoven University of Technology
Most people know that heat waves can be dangerous, but what they may not realize is that the heat indoors can be much worse than outdoors.
When the power goes out and air conditioning stops, or in homes without cooling, a house starts to function like a greenhouse during a heat wave. Heat enters through windows and walls and has nowhere to go. Air stagnates.
Within hours, indoor temperatures can climb well above what the thermometer shows outside, especially on upper floors and in rooms with south-facing windows. Over longer periods, especially if temperatures don’t cool off overnight, conditions can become lethal.
Most heat-related deaths occur indoors. When a heat dome sent temperatures soaring in the Pacific Northwest in 2021, 98% of the more than 600 deaths in British Columbia happened inside homes. Washington and Oregon also saw high numbers of deaths in homes that lacked air conditioning.
In Europe, where only 1 in 10 households have air conditioning, heat waves killed an estimated 60,000 people in 2022 and 47,000 in 2023, largely inside buildings never designed for these temperatures.
People of all ages are at risk in heat waves like these. I spent eight years at the University of Texas at Austin studying how buildings respond to extreme heat. In a recent study, my team assessed the heat risk in every single-family home in Austin.
We found that even younger, healthy adults face far more risk than they realize.
How hot is too hot for a human body?
Your body maintains a core temperature of about 98.6 degrees Fahrenheit (37 degrees Celsius). To cool down, it pushes blood to the skin and sweats. But when air temperature is high, that convective cooling weakens. When humidity is also high, sweat cannot evaporate.
If the body has no way to release heat, core temperature rises. If the core temperature increases past about 104 F (40 C), the body’s thermoregulation starts to fail. Past 109 F (42.8 C), death becomes likely.
What makes indoor heat especially dangerous is that it does not let up at night in homes that lack air conditioning. Outdoor temperatures typically drop after sunset, and someone outside can get a few hours of recovery. But a poorly insulated home that has been absorbing heat all day releases that heat slowly, keeping indoor temperatures elevated through the night. A person inside the home never gets a break.
After two or three nights of this, even healthy people start to be at serious risk for heat-related illnesses.
Why homes heat up more than people expect
People tend to underestimate indoor heat for a few reasons.
One is that the thermostat typically sits on one wall in one room. It does not tell what the temperature is in an upstairs bedroom or near a sun-facing window. In older, underinsulated homes, the actual felt temperature can exceed 90 F (32.2 C) even when a thermostat reads 75 F (23.9 C). The hot walls, ceilings and windows can radiate heat directly onto your body.
Another reason is that people assume all homes respond to heat the same way. However, a newer home with double-pane windows and good insulation acts like a thermos, keeping heat out for a longer time. An older home with single-pane windows and cracks in the walls heats up fast.
Two houses on the same street, exposed to the same outdoor conditions, can have completely different temperatures inside. And in a blackout, where neither home has cooling, those differences can become a matter of life and death.
What we found in Austin
Our study combined two datasets. From Austin’s tax appraisal records, we pulled basic property information, such as the year the home was built, the size and the number of stories for each of the city’s 213,000 single-family homes. We then matched each home to the most similar energy simulation models in a U.S. Department of Energy database that contains thousands of detailed, physics-based building energy models representing the U.S. residential building stock.
Using those models, we simulated each building’s indoor temperatures over time during a three-day heat wave and power outage with outdoor temperatures above 110 F (43 C).
We found that 85% of homes got hot enough to pose a significant risk of death for an elderly occupant. But what surprised us was the risk to younger people.
Under today’s climate conditions in Austin, about 15% of homes already have the potential to get hot enough without air conditioning to pose serious heat risks to healthy adults. Under future warming scenarios, that number jumps to as high as 65% if average summer highs reach 104 F (40 C). Further, climate projections for Austin show that heat waves will double in frequency by the end of the century.
We found three types of buildings and accompanying risks:
- Resilient homes, which are newer and well insulated, tended to have temperature and humidity conditions that would be survivable for an elderly occupant throughout the simulated heat wave with blackout.
- Critical-risk buildings, which are mostly older homes, became dangerous almost immediately.
- And then there was the middle group – homes where temperatures rose slowly during the simulated blackout, day by day, possibly giving occupants a false sense of security until it was too late.
Texas has already seen conditions like our case study’s – a heat wave paired with a power outage. In 2024, a derecho knocked out power for nearly 900,000 Houston households while the heat index climbed to 100 F (37.8 C). Seven weeks later, Hurricane Beryl cut power to 2.6 million homes, leaving them without power for over three days, with temperatures over 90 F (32.2 C).
What you can do to stay safe
If you can’t get cooling at home, there are steps you can take that can help.
Move to the lowest floor of your home, where it will be coolest. Close the blinds and curtains on sun-facing windows. Drink water constantly to stay hydrated, which is essential for regulating body temperature.
If you’re facing a blackout, be sure to also check on elderly neighbors, especially those living alone. You can also try to find a public cooling center; many cities now open them during heat emergencies.
Longer term, upgrades such as reflective window film, attic insulation and lighter-colored roofing can reduce how much a home heats up. After the 2021 heat dome, British Columbia’s coroner recommended updating building codes to address heat.
Our own findings point in the same direction: We propose that new homes should be required by building codes to maintain conditions in which at least light physical activity remains possible for all occupants for at least 72 hours during a power outage.
As summers get hotter with climate change and blackouts become more frequent, the risks of people suffering heat illnesses will only continue to rise.
Zoltan Nagy, Professor of Building Services, Eindhoven University of Technology
Heat waves can leave homes dangerously hot – even for young, healthy adults
This article is republished from The Conversation under a Creative Commons license. Read the original article.
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Summer is supposed to be the season of yes: yes to rooftop drinks, weekend flights, beach clubs, festivals, and finally trying that hobby you’ve been bookmarking since January. But according to a new Dating.com analysis, the “main character summer” lifestyle can come with a very real price tag—especially if you’re paying for everything on your own.
Dating.com’s latest report, Dating.com Reveals the Most Expensive Cities to Be Single in Summer 2026, looked at 50 popular destinations worldwide and ranked them by what it calls a Single Tax Score—a composite measure of the costs singles are likely to face during peak summer months.
Why being single can cost more than you think
The study builds on Dating.com’s earlier findings that 43% of singles focus on self-care—from gym memberships and skincare to solo dates and travel. At the same time, 41% of singles say they’d feel less lonely if they had more money, underscoring how financial flexibility can influence how often people can say yes to experiences that build connection.
Dating.com’s resident therapist, Jaime Bronstein, LCSW, notes that the assumption “single = cheaper” often doesn’t hold up. Couples can split rent, transportation, meals, and entertainment, while singles absorb the full cost alone—plus summer’s calendar tends to be packed with higher-priced social events and trips.
The 10 most expensive cities to be single in Summer 2026
Here are the top destinations where the summer “single tax” hits hardest, based on Dating.com’s ranking.
1) Miami (Single Tax Score: 75)
Miami takes the top spot thanks to steep nightlife and entertainment costs. Dating.com estimates:
- $110 for a solo date night
- $200/night for beach clubs and nightlife venues
- $280/night average summer hotel rates
2) New York (74)
New York lands at #2 with high costs across nearly every category:
- $115 average solo date night
- $380/night average summer hotel rates
Even without flight costs for locals, accommodation and social spending push NYC near the top.
3) Mykonos (72)
Europe’s most expensive destination for singles on the list, Mykonos is priced like a fantasy:
- $1,900 average summer flights from New York
- $280/night beach club and nightlife costs (highest in the study)
- $300/night average hotels
4) Las Vegas (70)
Vegas is built for entertainment—and the bill reflects it:
- $250 average festival/concert tickets (highest among the top ten)
- $180/night nightlife costs
- $145/night average hotels (relatively affordable, but spending adds up fast)
5) Boston (67)
Boston’s biggest driver is lodging:
- $390/night average summer hotel stays (highest of any city in the top ten)
- $108 average solo date night
6) Maldives (64)
A classic “romantic” destination that gets especially expensive solo:
- $480/night average hotels (highest in the top ten)
- $1,300 average summer flights from New York
- $124 average solo date night
7) San Francisco (62)
San Francisco remains costly for both travel and everyday experiences:
- $820 average flights from London
- $100 typical solo date
- $245/night average hotels
8) Los Angeles (61)
LA’s premium social scene pushes it into the top ten:
- $100 average solo date night
- $820 average flights from London
- $22 average rooftop cocktail
9) London (61)
London’s costs are driven by international travel and peak-season lodging:
- $1,900 average flights from New York
- $295/night average hotels
- $108 average solo date
10) Santorini (61)
Like Mykonos, Santorini’s popularity inflates nearly every summer expense:
- $1,900 average flights from New York
- $160/night beach club and nightlife costs
- $310/night average hotels
What to watch for (and how to plan smarter)
The takeaway isn’t “don’t travel” or “don’t go out.” It’s that destination choice can dramatically change the cost of a solo summer, and singles may want to budget differently than couples.
If you’re planning a solo trip (or just trying to make the most of where you live), consider:
- Swapping one premium hotspot for a value city (the ranking includes lower-cost options like Bangkok, Medellín, Mexico City, and Kuala Lumpur)
- Prioritizing experiences that don’t scale with group size (museums, walking tours, day trips, free festivals)
- Booking lodging early in high-demand cities where hotels are doing the most damage
As Bronstein emphasizes, being single isn’t a problem to solve—and solo experiences can be just as meaningful as romantic ones. The goal is to make sure your summer plans support your life, not stress your wallet.
Methodology (in plain English)
Dating.com reviewed 50 popular destinations and analyzed costs associated with being single in summer, including:
- Date night costs for one person
- Summer hotel rates
- Summer flight costs
- Rooftop cocktail prices
- Festival and concert ticket prices
- Beach club costs
- Pet-related surcharges
- Other seasonal leisure expenses
Each factor was normalized on a 0–1 scale (with 1 representing the highest cost), then combined into a final score to rank cities from most to least expensive for singles.
Source: Dating.com, via PRNewswire (June 25, 2026)
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(Feature Impact) Relationships and plumbing have something in common: they can both benefit from practicing smarter bathroom habits. Whether you’re sharing a household with your family, a partner or roommates, good etiquette in these frequently shared spaces can save everyone’s sanity – just like rethinking your flushing routines can save your pipes.
From simple annoyances like leaving the toilet seat up to potentially costly mistakes like clogging your plumbing by flushing the wrong items, a new survey from the Responsible Flushing Alliance (RFA) illuminated a variety of bad habits that cause the most tension in American homes.
In addition to shedding light on these problems, the alliance outlined solutions you can implement at home to restore peace in your restroom. Plus, you can gamify the habit changes to make them more entertaining.
“Our goal is to revolutionize public education by keeping it highly engaging, memorable and fun,” RFA President Lara Wyss said. “We are challenging the public to rethink their everyday habits.”
Get started with these seven tips:
Replace the toilet roll properly
Don’t be the reason someone gets stranded with nothing but a cardboard tube in their moment of need. Keep extra rolls nearby, and when you’re down to the last square of toilet paper, make it a race against the clock to replace it.
Use the (flush) force
An unflushed toilet was listed as the biggest bathroom pet peeve by 37% of survey respondents. To make it fun for the family, introduce a new tradition: before you leave the bathroom, pretend there’s an invisible force field pushing you back to make sure you’ve flushed and are good to go.
Hunt for sink and shower hair
Leaving hair in the drain isn’t just a source of potential plumbing clogs – it’s also an irritant for 35% of respondents. After you shower or style your hair, make it a game to see how many stray strands you can capture and deliver to the trash can.
Clean it and close it
You’ve probably heard jokes about people who leave the toilet seat up, so don’t make yourself the punchline. For a completely un-mockable routine, grab the brush to give the bowl a quick swish after you flush, ensure the seat is down and use an anti-bacterial wipe to leave everything sparkling. You’ll notice cleaning wipes bear the Do Not Flush symbol, which means they go in the trash and never the toilet.
Conquer the counter
Toothpaste and water often splatter all over the place, so to be a polite bathroom roommate, wipe up the mess before it’s even had a chance to dry. Keep cleaning wipes or rags within easy reach and give yourself a 10-second deadline to leave surfaces spotless.
Practice good towel etiquette
Wet towels don’t belong on bathroom floors. If they still have a use or two left in them, banish them back to your towel rack. Otherwise, challenge yourself to a game of laundry basketball, aiming for the hamper.
Don’t flush the un-flushable
According to an RFA survey, half of Americans are still flushing things they know they shouldn’t, like paper towels, feminine hygiene products and non-flushable wipes. Since clearing a clog in your home can cost anywhere from $300-$15,000 or more, the only thing you’ll be draining with habits like these is your wallet.
“Always check wet wipes for the Do Not Flushsymbol and disposal instructions, which helps us protect not only the health of our homes and environment but our relationships, too,” Wyss said.
Visit FlushSmart.org to learn more about good bathroom etiquette, take an interactive quiz and put these tips into practice with a seven-day challenge.
Photo courtesy of Shutterstock (throwing away non-flushable wipe)
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