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Which year are you in? <a href=" http://www.cornwallfoodanddrink.co.uk/writing-admissions-essays/#red ">essay answers</a> At least part of the explanation seems rooted in a lack of financial literacy, and more specifically, a lack of comfort with basic money management. According to the survey, 23 percent of teens aren’t sure they know how to budget, 20 percent aren’t sure they can use credit cards, and 34 percent aren’t sure they know how to invest money.