Fifty percent of Americans don't have a rainy-day fund, according to WalletHub.

This — and many other statistics — is indicative that many financial-education programs and consumer habits are still falling short after the recession.

WalletHub released its report on 2017′s Most & Least Financially Literate States, which examines a data set of 15 key metrics ranging from high-school financial literacy grade to share of adults with rainy-day funds.

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Emily Zulz

Emily joined the ThinkAdvisor team as a reporter in the summer of 2014. She previously worked as a reporter for The Daily Journal in Kankakee, Illinois for a year and as a reporter and editor for The Daily Eastern News in Charleston, Illinois for two and a half years. Prior to joining ThinkAdvisor, Emily worked on Groupon’s editorial team in Chicago as a fact checker for three years. She graduated cum laude with a BA in journalism from Eastern Illinois University, and she has been the recipient of two journalism awards for her news reporting at daily newspapers.