And America’s Most Money-Savvy State Is …

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A state that has received a lot of good press lately has been named the most money-savvy in the United States. Find out where residents hold on to their pennies.

North Dakota is on a roll.

In the past three months alone, the state has been recognized as home to three of the nation’s top five cities in regard to residents’ financial health and as the nation’s second-best state for girls to grow up in.

Now a third organization,, has deemed North Dakota the nation’s most money-savvy state.

The website studied data from the Federal Deposit Insurance Corp., the Financial Industry Regulatory Authority, the nonprofit Council for Economic Education and think tank the Urban Institute to evaluate every state and the District of Columbia in three categories:

  • Use of banking services.
  • Saving and investing behaviors.
  • Financial education policies within the state (weighted less heavily than the other two categories).

The least money-savvy state is Mississippi — which is a reflection of the state’s broader economic issues, according to

Casey Bond, editor-in-chief of, says of the website’s findings:

“This study highlights a few concerning regional trends when it comes to money management skills among Americans. The southern region of the country clearly lacks the resources needed for residents to take an active role in their financial well-being, and illustrates a need for Americans living in this region to proactively take steps to improve their money habits.”

The top 10 most money-savvy states are:

  • North Dakota
  • New Hampshire
  • Utah
  • Minnesota
  • Virginia
  • South Dakota
  • New Jersey
  • Idaho
  • Michigan
  • Wisconsin

The 10 least money-savvy states are:

  • Mississippi
  • Arkansas
  • Nevada
  • Kentucky
  • Oklahoma
  • Kansas
  • Alabama
  • District of Columbia
  • South Carolina
  • Ohio

Not all the news is good for North Dakota, however. It also has earned the dubious “honor” of landing on two other lists:

Are you surprised by any of these rankings? Share your thoughts below or on Facebook.

Stacy Johnson

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