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.