The Financial Literacy Trust Fund Board is a public and private effort to support organizations that have displayed success advancing financial education skills and empowerment. Financial education skills are vital as residents navigate increasingly complex financial decisions and products. A 2012 study found that in Massachusetts, one in four of households are have little or no financial cushion to rely on if unemployment, medical crisis, another emergency leads to a loss of income. The enduring character and determination of Massachusetts residents will drive them through this difficult economy; however our continued support and strategic focus is needed among of those adversely impacted.  The Board has identified its top priorities as preparing Massachusetts youth, veterans, and seniors with financial skills in order make informed financial decisions about saving, investing, borrowing, and financial protection.