【文章內(nèi)容簡介】 Economics, Family Economics and Resource Management, Family Finance, Family Financial Management, Household Economics, and Personal Finance. More recent names include Household Finance, Household Behavioral Finance and Financial Literacy. Since the 1990s, the use of the term financial literacy has gained momentum。 however, popularization of the term has created confusion. A web search on financial literacy returns nearly two million results. There are financial literacy programs, tests, statistics, and training. Most are general, but some target audiences such as teens or pre‐retirees. Most of these programs have different goals and different oute expectations. There is no mon agreement on the core content, overall and specific objectives, the qualifications of the deliverers of these courses, and for the assessment of the outes (Hira and Schuchardt, 2021). Most disciplines such as math, economics, history, sociology, and psychology are usually identified by one name only. There are specialties or concentrations for each of these disciplines, but only one name. To reduce the confusion, there must be one name for financial education。 and more importantly, there must be a mon understanding of what can be expected from such courses. Before this can be acplished, some basic questions must be answered: what is the overall objective, what is the core content, what petencies and skills must the learner gain, what preparation or qualifications must the teachers of financial education have, and what standards must be used to assess the outes of such programs? Overall Goal for Financial Education The overall goal for financial education is to ensure that everyone is equipped with appropriate information, knowledge, and skills to make good financial decisions. The challenge to educators is to determine what specific skills people need in order to understand the long‐ term costs and benefits of their financial decisions (Hira, 1995). Financially educated consumers are an important first line of defense in well‐functioning markets. At the same time, it is important to recognize that financial education is not a panacea and that there remains a need for effective regulation that is responsive to market evolutions to ensure that consumers are protected against abusive and fraudulent practices by unscrupulous players. Future Opportunities and Challenges In the past, professionals in the family economics and management field of personal finance made use of the interdisciplinary approach to study financial behavior. Today, professionals from those disciplines (economics, sociology, psychology, and many others) are studying financial behavior, expanding opportunities and potential for a stronger and richer discipline. Opportunities for transdisciplinary work offer a great promise for the future. The discipline must meet the challenges of creating an environment where professionals from various disciplines create strong connections, collaborate, and generate truly interdisciplinary studies. A report prepared by the . Government Accountability Office in 2021 clearly identifies the challenges and opportunities that lie ahead. It suggests that establishing standards for core content and oute objectives is critical for the development of evaluation and assessment instruments so that there can be matched areas consistent with the goals and appropriate for the target audience. Furthermore, it is important to differentiate between measuring outes of a course and the oute of an intervention such