DESIGNING EFFECTIVE ADULT FINANCIAL EDUCATION: INTEGRATING ANDRAGOGY AND EVIDENCE-BASED PRACTICES.

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Title:	DESIGNING EFFECTIVE ADULT FINANCIAL EDUCATION: INTEGRATING ANDRAGOGY AND EVIDENCE-BASED PRACTICES.
Authors:	Bartholomae, Suzanne¹ suzanneb@iastate.edu, Pippidis, Maria² pippidis@udel.edu, Kiss, Elizabeth³ dekiss4@ksu.edu
Source:	COABE Journal: The Resource for Adult Education. Spring2026, Vol. 15 Issue 1, p49-57. 9p.
Subject Terms:	Adult learning, Cultural awareness, Educational evaluation, Adult education, *Behavior modification, Financial literacy, Financial security
Abstract:	Financial education offers a critical opportunity to improve adults' financial well-being, but effectiveness depends on programs grounded in adult learning principles and evidence-based practices. Andragogy, the framework guiding adult education, emphasizes the differences between adult and younger learners (Knowles & Associates, 1984). Adults approach financial education with distinct characteristics shaped by life experiences, prior knowledge, and intrinsic goals (Chin & Williams, 2020; Forté et al., 2014). Foundational steps to develop effective financial education programs include needs assessment, theory-driven planning, piloting, and evaluation to ensure fidelity and continuous improvement. Recommended features--unbiased, accessible content, cultural relevance, and clear success measures--combined with strategies that foster confidence, knowledge, and actionable behaviors, are essential for impact. This article provides practitioners with insights for designing initiatives that not only disseminate knowledge but also support meaningful, sustainable behavior change. [ABSTRACT FROM AUTHOR]
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Database:	Education Research Complete

Description
Abstract:	Financial education offers a critical opportunity to improve adults' financial well-being, but effectiveness depends on programs grounded in adult learning principles and evidence-based practices. Andragogy, the framework guiding adult education, emphasizes the differences between adult and younger learners (Knowles & Associates, 1984). Adults approach financial education with distinct characteristics shaped by life experiences, prior knowledge, and intrinsic goals (Chin & Williams, 2020; Forté et al., 2014). Foundational steps to develop effective financial education programs include needs assessment, theory-driven planning, piloting, and evaluation to ensure fidelity and continuous improvement. Recommended features--unbiased, accessible content, cultural relevance, and clear success measures--combined with strategies that foster confidence, knowledge, and actionable behaviors, are essential for impact. This article provides practitioners with insights for designing initiatives that not only disseminate knowledge but also support meaningful, sustainable behavior change. [ABSTRACT FROM AUTHOR]
ISSN:	27719375