The 10 Most Financially Savvy States

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1. Massachusetts

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Total Debt as Share of Median Earnings: 36.28%

Share of Adults Spending More Than They Earn: 13.29%

Share of Adults Striving to Achieve Long-Term Financial Goals: 57.98%

Share of Adults Using Online Financial Services: 72.5%

Share of Adults Borrowing Against Their Retirement Income: 8.15%

Share of Adults with Rainy-Day Funds: 47.22%

Share of Adults with Budgets: 51%

2. New Hampshire

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Total Debt as Share of Median Earnings: 57.13%

Share of Adults Spending More Than They Earn: 16.69%

Share of Adults Striving to Achieve Long-Term Financial Goals: 59.15%

Share of Adults Using Online Financial Services: 73.0%

Share of Adults Borrowing Against Their Retirement Income: 8.33%

Share of Adults with Rainy-Day Funds: 53.64%

Share of Adults with Budgets: 56%

3. North Dakota

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Total Debt as Share of Median Earnings: 70%

Share of Adults Spending More Than They Earn: 15%

Share of Adults Striving to Achieve Long-Term Financial Goals: 62%

Share of Adults Using Online Financial Services: 69%

Share of Adults Borrowing Against Their Retirement Income: 7%

Share of Adults with Rainy-Day Funds: 56%

Share of Adults with Budgets: 51%

4. Minnesota

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Total Debt as Share of Median Earnings: 68%

Share of Adults Spending More Than They Earn: 18%

Share of Adults Striving to Achieve Long-Term Financial Goals: 62%

Share of Adults Using Online Financial Services: 67%

Share of Adults Borrowing Against Their Retirement Income: 9%

Share of Adults with Rainy-Day Funds: 53%

Share of Adults with Budgets: 54%

5. Connecticut

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Total Debt as Share of Median Earnings: 37%

Share of Adults Spending More Than They Earn: 18%

Share of Adults Striving to Achieve Long-Term Financial Goals: 56%

Share of Adults Using Online Financial Services: 67%

Share of Adults Borrowing Against Their Retirement Income: 11%

Share of Adults with Rainy-Day Funds: 47%

Share of Adults with Budgets: 54%

6. Washington

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Total Debt as Share of Median Earnings: 59%

Share of Adults Spending More Than They Earn: 15%

Share of Adults Striving to Achieve Long-Term Financial Goals: 56%

Share of Adults Using Online Financial Services: 71%

Share of Adults Borrowing Against Their Retirement Income: 10%

Share of Adults with Rainy-Day Funds: 48%

Share of Adults with Budgets: 58%

7. Wyoming

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Total Debt as Share of Median Earnings: 80%

Share of Adults Spending More Than They Earn: 15%

Share of Adults Striving to Achieve Long-Term Financial Goals: 58%

Share of Adults Using Online Financial Services: 66%

Share of Adults Borrowing Against Their Retirement Income: 9%

Share of Adults with Rainy-Day Funds: 49%

Share of Adults with Budgets: 55%

8. Utah

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Total Debt as Share of Median Earnings: 65%

Share of Adults Spending More Than They Earn: 18%

Share of Adults Striving to Achieve Long-Term Financial Goals: 61%

Share of Adults Using Online Financial Services: 76%

Share of Adults Borrowing Against Their Retirement Income: 14%

Share of Adults with Rainy-Day Funds: 42%

Share of Adults with Budgets: 63%

9. Rhode Island

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Total Debt as Share of Median Earnings: 42%

Share of Adults Spending More Than They Earn: 18%

Share of Adults Striving to Achieve Long-Term Financial Goals: 57%

Share of Adults Using Online Financial Services: 64%

Share of Adults Borrowing Against Their Retirement Income: 12%

Share of Adults with Rainy-Day Funds: 48%

Share of Adults with Budgets: 55%

10. Wisconsin

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Total Debt as Share of Median Earnings: 54%

Share of Adults Spending More Than They Earn: 16%

Share of Adults Striving to Achieve Long-Term Financial Goals: 55%

Share of Adults Using Online Financial Services: 68%

Share of Adults Borrowing Against Their Retirement Income: 14%

Share of Adults with Rainy-Day Funds: 43%

Share of Adults with Budgets: 55%