U.S. household debt hit $18.59 trillion in 2025, according to the Federal Reserve. Credit card balances, short-term loans, and buy now, pay later spending all contributed to a historic record. With more Americans feeling financial pressure after the holiday season, Finelo is placing greater emphasis on practical money and investing education. The goal is to help people build essential financial skills before they take on risk.
Finelo, a leader in global edtech, offers online lessons, simulations, and interactive challenges that cover the basics of personal finance, investing, and trading. The company believes that rising debt and financial misinformation make it more important than ever to teach decision-making, risk awareness, and long-term financial habits.
“Household debt is rising at a pace that many people are not prepared to manage,” a Finelo spokesperson said. “We built Finelo to help users understand how money works in real life — not to chase hype, but to build skills that support stability and informed decision-making.”
Rising Debt Highlights Gaps in Financial Preparedness
Consumer surveys show that financial confidence is weakening. Nearly one-third of Americans expect their financial situation to worsen in 2026, marking the most pessimistic outlook since 2018. At the same time, research cited by Investopedia shows that fewer than half of U.S. households can cover a modest emergency expense without relying on credit.
Finelo points out that while people have more access to financial products, many do not fully understand how to use them responsibly.
Misinformation Drives Risky Financial Behavior
Many younger adults now turn to social media for financial advice. Studies show that most people under 35 rely on online influencers for investing tips, even though these sources often do not clearly explain the risks or their own incentives.
Finelo offers a different approach from trend-driven content. The platform provides guided lessons, simulations, and practice environments where users can test decisions without risking real money.
“Financial tools are widely available,” the spokesperson said. “What’s missing is a clear, structured way for people to learn how risk, leverage, and long-term planning actually work together.”
Shift Toward Skill-Based Financial Education
Finelo uses short, easy-to-follow lessons and interactive exercises that help people build good financial habits, not just chase quick results. Instead of pushing speculation, the platform teaches users how to think through decisions, manage risk, and understand how markets work before trying out strategies in real life.
Finelo’s users include both beginners and people with some experience who want to build stronger financial skills and confidence.
Positioning for a Changing Financial Landscape
With household debt still high and the economy uncertain heading into 2026, Finelo believes that financial literacy is now a basic life skill, not just something extra.
“Learning how to manage money, understand markets, and assess risk is no longer niche,” a Finelo spokesperson said. “It’s essential. Our goal is to make that education accessible, practical, and relevant to everyday financial decisions.”
About Finelo
Finelo is an award-winning online learning platform that helps beginners and aspiring investors build real-world money skills. With gamified lessons, simulations, and hands-on learning pathways, Finelo teaches decision-making, risk awareness, and long-term financial habits for today’s complex financial world. For more information, visit finelo.com.
Media Contact
Anthony Mafuta Mayilamene
Junior Media Relations Associate, Finelo
anthony.mayilamene@coursiv.io
