We examined levels of financial literacy (knowledge, attitudes, self-efficacy, and self-reported behavior) among 15-year-old high school students in the Netherlands (N = 2025), and investigated which factors are associated with the different financial literacy components. Our findings show lower levels of financial literacy among students in the lowest track in high school, students with low mathematical ability, immigrant students, students with low SES, students with mothers without a university degree, and students who do not discuss financial matters with family and peers. Notably, our findings show a large gap in financial knowledge levels between the lowest and highest high-school tracks in the Netherlands. These findings are useful for designing effective financial education and intervention programs, and for identifying groups that may benefit the most from financial education programs.

我们研究（其中荷兰15岁的高中学生的金融知识（知识，态度，自我效能感，自我报告的行为）的水平ñ = 2025年），并调查了哪些因素与不同的金融知识水平相关。我们的研究结果表明，在高中成绩最低的学生，数学能力低的学生，移民学生，SES低的学生，母亲没有大学学位的学生以及不与家人讨论财务问题的学生中，金融知识水平较低和同行。值得注意的是，我们的发现表明，在荷兰的最低和最高中学程度之间，金融知识水平存在很大差距。这些发现对于设计有效的金融教育和干预计划以及确定可能从金融教育计划中受益最大的群体很有用。