This report presents a distinguished panel's findings on financial education in the U.S. In May 2002, the Secretaries of the Departments of Treasury and Education invited representatives from national youth education groups to consider the opportunities and challenges that arise when financial education is integrated into core curricula. Participants identified several access points for incorporating financial education into curricula and offered suggestions for including financial education as part of math and reading curricula. The access points included the implementation of standards and informing state boards of education about the importance of including financial education in the standards to ensure that financial concepts become a part of math and reading curricula. The resulting standards would have to be tested to monitor students' mastery of financial concepts. Publishers of textbooks and other instructional materials would need to be educated about the value of integrating financial concepts into other subjects, such as math and reading. Much financial material is available on the Internet and can be incorporated into math and reading curricula. Finally, educator training and professional development requirements would provide an opportunity to stress to education decision-makers the importance of financial education. A complete transcript of the panel's proceedings is included. (RJM)