The seven modules include banking basics, income and employment, budgeting, consumer skills, credit and debt, financing higher education, and insurance. Each module takes 20-35 minutes to. The State of Financial Literacy 2023 An update to our 2022 report In 2022, digital education and social impact company EVERFI released survey results revealing low levels of financial preparedness among high school students, including those nearest to the transition to adulthood and financial independence.