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I am an optimistic person living in a sunny state, yet I’m going to start this with some gloomy numbers: 40% of Americans cannot come up with $400 emergency cash; the average American couple only has $5,000 put away for retirement; only a third of working Americans are saving money in an employer-sponsored or tax-deferred retirement account. This list can go on for very long.

The financial preparedness of new generations of adults in the United States has steadily declined since Generation X—the age group that preceded millennials—first came onto the scene, says Matt Bees, a Las Vegas-based senior financial adviser at Wells Fargo.

While Supreme Court Justices heard arguments over President Joe Biden’s effort to cancel hundreds of billions of dollars in federal student debt, supporters of loan forgiveness rallied outside. The conversation surrounding student loan repayment has encouraged the Department of Finance at The University of Nevada Las Vegas to teach more financial literacy.

A steady stream of economic uncertainty has pushed people to seek out financial advice via TikTok, where users share finance tips, resources, and general education.

In a recent look at Southern Nevadans’ finances, Las Vegas Valley residents have some of the worst credit scores, debt ratios and money management habits in the United States.

Markets love certainty, the axiom holds, and this presidential election offers little of it.