Today, just one-third of U.S. states require that students take basic financial literacy classes so they can graduate from high school. Despite this, many adults learn how to make and follow a budget the old-fashioned way — through trial and error. So it’s not surprising that many parents worry their kids might struggle to manage their own money someday. With the right age-appropriate resources, teaching kids basic financial literacy concepts can be easier than you might think.

If money worries are keeping you up at night and hurting your ability to focus at work, you’re not alone. Not even close. Financial stress distracts 1 in 3 Americans in the workplace, according to a recent Center for Financial Services Innovation study. In fact, they’re taking twice as many sick days — proof that for some of us, financial stress is simply overwhelming.

You looked up your credit score online or requested it from your bank — nice job. It’s important if you’re moving into a new apartment, applying for a loan or signing up for a credit card. But what does that number really mean? Let’s look at how the credit range scale breaks down by rating type as well as numerical score. We’ll also explain where you should fall in order to qualify for certain financial products and services.