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Should financial literacy classes be a requirement for Massachusetts students?

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Should financial literacy classes be a requirement for Massachusetts students?


BOSTON – Credit scores, interest rates and taxes. Nine out of 10 students in Massachusetts are not required to learn about these things. Should the state make financial literacy a requirement for students?

As a teenager navigating middle school and high school Sean Simonini never got “the talk.”

“So, you think of the ‘birds and the bees’ right, that’s pretty uncomfortable topic right? But people feel even more uncomfortable talking to their kids about credit cards!” Simonini said.

Simonini says our schools really aren’t talking about money either. He was a star student at Billerica High. He earned a full scholarship to the University of Massachusetts-Lowell.

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“But I couldn’t tell you anything about my taxes,” Simonini said. “Couldn’t tell you what a credit score was. What a 401k was.”

So, the 19-year-old college sophomore is on a mission which started in high school, when Simonini joined his town’s school board as a student representative. Lately, he’s been testifying at the State House pushing a bill which would make a standalone, financial literacy class a requirement for every student in every district. The classes and teacher training would be funded by the State, not the local communities, with a so-called “financial literacy trust fund.”

“I started pulling together what would an education look like, where every student walked away with the skills they need to succeed. One of the first gaps I saw staring back at me was the lack of financial literacy here in the Commonwealth,” Simonini said.

Right now, 25 states have financial literacy as a graduation requirement. Massachusetts isn’t one of them. Yet our neighbors in New Hampshire, Connecticut and Rhode Island do require the course. Champlain College in Vermont has a Financial Literacy Center and puts out a report card every year grading each state on their efforts. Twenty-nine states got an ‘A’ or ‘B’. Massachusetts got an ‘F.’

Why? Well, out of more than 300 school districts in our state, only 16 districts require students to pass personal finance class.

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Simonini says we are setting kids up to take on a lifetime of debt without knowing the ramifications. “We are allowing 18 year-olds to sign off on loans that are half a mortgage. Hundreds of thousands in an instant. And we are not orienting them at all to the financial impacts that can have on them decades down the road,” Simonini said.

Sue Camparato is teacher in Swampscott who believes Massachusetts is falling way behind other states. Swampscott is one of the districts that requires a personal finance class. Camparato teaches her students about credit scores, interest rates, stocks, how to save money and how to file taxes.

Sue Camparato Swampscott
Swampscott teacher Sue Camparato 

CBS Boston


“I never have anyone say, ‘When am I going to use this?’ Never,” Camparato said.

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One of her students, Sam Snitkovsky says this education has never been more important. He says kids are constantly targeted on sites like TikTok by so called money gurus peddling financial fiction. 

“This information isn’t coming from like ‘user3015.’ It’s coming from an actual teacher in the school, and you know the information is true,” Sam said.

Simonini thinks our lawmakers mistakenly think students are learning about money at home or in the nearly extinct “home ec” classes they took. “Over 50% of parents in this country don’t feel comfortable talking to their kids about money,” Simonini said.

State Treasurer Deb Goldberg leads the state’s Office of Financial Empowerment which offers a ton of free programs outside the class for young children all the way through senior citizens. “When we do our Credit for Life fairs for high school students, it is amazing what they don’t know,” said Goldberg.

Goldberg also believes a financial literacy course should be a requirement and is hoping lawmakers will move on the issue.

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Goldberg believes a public-private partnership between Beacon Hill and outside partners could pay for the programs in every district. There are certainly hurdles to clear but she and Simonini think it’s needs to happen. Massachusetts cannot get an “F” on its next report card.  

If you have a question you’d like us to look into, please email questioneverything@cbsboston.com.   



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Massachusetts

Massachusetts gas prices slightly declined from last week. Here’s how much.

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Massachusetts gas prices slightly declined from last week. Here’s how much.


State gas prices slightly declined for the second consecutive week and reached an average of $2.86 per gallon of regular fuel on Monday, down from last week’s price of $2.88 per gallon, according to the U.S. Energy Information Administration.

The average fuel price in state declined about 8 cents since last month. According to the EIA, gas prices across the state in the last year have been as low as $2.86 on Jan. 5, 2026, and as high as $3.11 on Sep. 8, 2025.

A year ago, the average gas price in Massachusetts was 3% higher at $2.95 per gallon.

>> INTERACTIVE: See how your area’s gas prices have changed over the years at data.southcoasttoday.com.

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The average gas price in the United States last week was $2.80, making prices in the state about 2.3% higher than the nation’s average. The average national gas price is slightly lower than last week’s average of $2.81 per gallon.

USA TODAY Co. is publishing localized versions of this story on its news sites across the country, generated with data from the U.S. Energy Information Administration. Please leave any feedback or corrections for this story here. This story was written by Ozge Terzioglu. Our News Automation and AI team would like to hear from you. Take this survey and share your thoughts with us.



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Massachusetts police watchdog decertifies five former officers

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Massachusetts police watchdog decertifies five former officers


The state commission charged with oversight of Massachusetts police decertified five former officers from around the state, including a former deputy police chief convicted last year of raping a teenage girl while serving as a school resource officer.

Former Hopkinton Deputy Police Chief John “Jay” Porter was convicted in June of conducting a sexual relationship with a 15-year-old student off-campus between 2004 and 2005. He was sentenced to seven years in prison.

Porter’s decertification last month by the Massachusetts Peace Officer Standards and Training (POST) Commission means he, along with the other four decertified officers, will be permanently prohibited from serving as police officers in the state. The decertifications bring the total to 75 since the POST Commission was created in 2020.

The woman in Porter’s case did not come forward to report the assaults until 2022, MassLive previously reported. The Middlesex County District Attorney’s Office said previously the student often sought support from Porter when she was in the 9th and 10th grades, but their relationship changed when she was 15, “going from a trusted adult and student to a flirtatious, then sexual one.”

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The case also implicated former Hopkinton Police Sgt. Timothy Brennan, who was fired from the department for not reporting Porter to law enforcement after the victim confided in him about the assaults. She first informed Brennan of her inappropriate relationship with the former deputy chief in 2017 and told him not to report Porter, saying she would deny the information if he did so. She ultimately came forward to the district attorney’s office at his encouragement.

According to the decertification order released Dec. 19, Porter did not respond to mailings from the commission or defend himself against its allegations.

The commission redacted information from its decertification order detailing the misconduct allegations against Porter. In past cases, the board has redacted information covering criminal charges against officers or their personal information.

State Police Trooper Calvin Butner

Retired Massachusetts State Police Trooper Calvin Butner of Halifax was also decertified in December after he pleaded guilty last year for his role in a bribery scheme to provide Commercial Driver’s License credentials to unqualified applicants.

Between May 2019 and January 2023, authorities say, Butner and three others within the State Police Commercial Driver’s License (CDL) Unit, which is responsible for administering CDL skills tests, agreed to give passing scores to at least 17 applicants, regardless of whether they passed the test. In exchange for the passing grades, the troopers involved in the scheme received thousands of dollars in gifts and services, MassLive previously reported.

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Authorities say Butner gave passing scores to three people who failed the test and five who did not take the test at all. He was sentenced in August to three months in federal prison followed by one year of supervised release, with the first three months in home confinement.

Butner did not respond to the POST Commission’s communications or defend himself.

Hull Police Sgt. Scott Saunders

Scott Saunders, a former Hull Police Department sergeant, was also decertified in December, and the related decertification order was redacted. Saunders was charged in 2023 with assaulting his 72-year-old neighbor, with whom he had a reported history of disputes. The case in Plymouth District Court was continued without a finding in August, allowing it to be dismissed if Saunders meets the conditions of probation.

The neighbor told the media at the time that Saunders hit his car with a paddleboard as he drove past him that day. When the neighbor got out of the car to confront the sergeant, he said Saunders pushed him down and punched him.

The Hull Police Department immediately placed Saunders on leave after the incident.

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Saunders did not respond to the POST Commission’s communications or defend himself. MassLive was unable to contact Saunders for comment.

Greenfield Police Officer Christopher Hewitt

The reasons behind the decertification of former Greenfield Police officer Christopher Hewitt are unclear. Much of the commission’s December decision was redacted.

The POST website cites a section of Massachusetts General Laws that says, “The commission shall immediately suspend the certification of any officer who is arrested, charged or indicted for a felony.”

Hewitt also did not respond to the commission’s allegations against him. MassLive was unable to contact Hewitt for comment.

Peabody Police Officer Gerald Fitzgerald

The final officer decertified last month, Gerald Fitzgerald, formerly of Peabody Police Department, signed an agreement with the commission to have his certification permanently revoked and waive his right to contest the facts of his decertification in the future.

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Fitzgerald was accused of falsifying an incident report from a November 2023 armed robbery by writing that a female suspect had assaulted two people at the restaurant where the robbery took place.

After being instructed by a supervisor to review the surveillance footage from the incident to verify his account, Fitzgerald said he had done so and added more information to the report.

Another detective who later viewed the footage determined the allegations that led to the assault charges against the female were false. Fitzgerald admitted he had not watched the entire footage as instructed, and the assault charges against the suspect were dropped.

According to the decertification agreement, Fitzgerald had previously faced disciplinary action on four occasions since 2015 for missing court dates, not completing required training and showing up to firearms training while intoxicated.

Stoughton Police Deputy Chief Robert Devine

The POST Commission voted last month to decertify Robert Devine, a former Stoughton deputy police chief accused of misconduct involving Sandra Birchmore, MassLive previously reported.

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Birchmore, who was 23 and pregnant, was found dead in her Canton apartment on Feb. 4, 2021. Her death was initially ruled a suicide, but on further investigation, it was ruled a homicide. Former Stoughton Police Officer Matthew Farwell has since been charged federally with killing Birchmore to hide a sexual relationship they began after she joined a police youth program as a teenager.

The commission accused Devine, who oversaw the program, of coordinating a “sexual encounter” with Birchmore while he was on duty in December 2020. He has not been charged criminally in connection with the case and denied the POST Commission’s claims against him.

State lawmakers established the oversight commission in 2020 after the murder of George Floyd by a Minneapolis police officer.

The nine-member board, appointed by the governor and attorney general, has broad power to set standards that all law enforcement agencies and officers in Massachusetts must abide by and to investigate and decertify police officers accused of misconduct.

Many of the officers it has decertified have been convicted of criminal charges, automatically leading to the loss of their certifications. However, the commission can also decertify officers it finds liable for egregious but noncriminal misconduct.

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The commission reports the names of decertified officers to a national registry, a move intended to alert departments in other states to their troubled histories.

If you are a victim of sexual assault, you are not alone.

Rape Crisis Centers in Massachusetts offer free, confidential services for adolescent and adult survivors as well as their loved ones.

Crisis centers operate a 24/7 toll-free hotline for phone counseling, questions and referrals. For a full list of regional crisis centers, click here.

  • SafeLink offers a 24/7 toll-free hotline:
    • (877) 785-2020
    • (877) 521-2601 (TTY)



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A 5,000-square-foot solution to the Massachusetts housing crisis – The Boston Globe

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A 5,000-square-foot solution to the Massachusetts housing crisis – The Boston Globe


Andrew Mikula is chair of the Legalize Starter Homes ballot committee.

I came across Baxter Village after a Google Maps perusal of one of the country’s fastest-growing regions. Completed in 2014 and billed as a “traditional neighborhood development” with a walkable town center and intimate, tree-lined residential streets, the village is downright idyllic. The architecture is clearly inspired by early 20th-century New England — a Norman Rockwell-style vista of homes with raised front porches, wood clapboard siding, steep roofs, and dormer windows.

But Baxter Village isn’t located in New England. It’s in South Carolina, about 15 miles south of Charlotte.

The reality is that 15 miles outside of Boston, Worcester, or Lowell, Baxter Village would almost certainly be illegal, for a variety of reasons. First, the development’s home lots are small, often only slightly larger than a basketball court. Local zoning codes in suburban Massachusetts frequently preclude such small lots, and New England in particular has high minimum lot-size requirements for new homes, compared to most of the country.

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Given that Massachusetts has the nation’s toughest home buying market for young adults, many voters are open to reducing these lot-size minimums. A May 2025 Abundant Housing Massachusetts/MassINC poll found that 78 percent of Massachusetts voters support “allowing homes to be built on smaller lots,” and 72 percent support allowing the subdivision of large lots into smaller lots. Doing so would open up more housing options in the suburbs, creating opportunities to build smaller, lower-cost homes suitable for first-time buyers and downsizing seniors, colloquially called “starter homes.”

That’s why 12 housing experts — urban planners, academics, land use attorneys, and advocates — and I recently filed a petition with the Massachusetts attorney general’s office that would make it legal to build on lots about the size of a basketball court (5,000 square feet) statewide. As long as the lot has access to public sewer and water service, as well as a 50-foot border with the street, the site could host a single-family home, although it may be subject to other regulations like wetlands protections and limits on short-term rentals.

Our committee — Legalize Starter Homes — cleared the first signature-gathering hurdle needed to place this measure on the ballot this year, and Secretary of State William Galvin’s recent certification has advanced this potential ballot question to the next step in the process.

Research has shown that Massachusetts’ large minimum lot-size requirements increase home prices and reduce new production. One Harvard study found that in Greater Boston, a quarter-acre increase in the minimum lot-size requirement was associated with 10 percent fewer homes permitted between 1980 and 2002. Separately, a 2011 study found that Eastern Massachusetts minimum lot-size requirements can increase home prices by as much as 20 percent or more and that these price effects tend to increase over time.

Other states have acted on such facts amid a nationwide housing crunch. In June, Maine capped minimum lot sizes in “designated growth areas” statewide at 5,000 square feet when served by public sewer and water systems. This is remarkable given that Maine has both a less severe housing shortage than Massachusetts and a much larger volume of undeveloped, inexpensive land.

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The Massachusetts Legislature has tried to enhance the production of starter homes before, offering incentive payments under Chapter 40Y to municipalities to adopt new zoning districts that allow for them. But more than three years after Chapter 40Y was enacted, the state has yet to finalize regulations that would allow for these zoning districts to be created. Meanwhile, builders struggle to justify much new construction given high interest rates, tariffs on building materials, and labor shortages in the trades.

Our ballot petition creates a framework for allowing starter homes that is more easily implemented and doesn’t require municipalities to adopt new zoning. And unlike the MBTA Communities Act, it would solely allow for the creation of single-family homes, most of which would probably be owner-occupied.

Recent public polling data, research findings, precedents in other states, and the urgent and extreme nature of Massachusetts’ housing shortage all suggest that now is the right time to limit minimum lot sizes in places with sufficient infrastructure for new housing. The result could be a far-reaching expansion of opportunity for a new generation of homeowners in Massachusetts.





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