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Too many Tennesseans are struggling. Businesses can step up by teaching financial literacy

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Too many Tennesseans are struggling. Businesses can step up by teaching financial literacy



Business as usual won’t address the financial challenges facing Tennesseans. Collaboration is key.

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In terms of economic growth, Nashville is growing incredibly wealthy. Veritable gallons of ink have been expended touting the fact that our city is one of the nation’s leading metro areas when it comes to a post-pandemic recovery – and it should be. We should be proud of this accomplishment.

That said, we can’t allow this victory to cloud our vision when it comes to confronting the reality of the hardships felt by folks across our city and state each day that prevent them likewise growing in wealth.

Owning a home is one of the greatest, time-tested ways for families to build wealth. However, homeownership in Tennessee has decreased by more than 5% over the course of the last 24 years – one of the most drastic declines nationwide.

Debt load can harm credit scores and make it harder to pursue the American Dream

Further compounding the issue is debt. According to a recent study from ThinkTennessee, Tennesseans hold more than $50,000 in household debt. While this is slightly lower than the national average, more than one out of every four young adults in Tennessee have debt in collection, higher than the national average of 20%. Among Tennessee’s communities of color, the issue is even worse, with 38% in debt delinquency compared to 25% nationally according to the Urban Institute.

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Debt in collection means missed payments and damaged credit scores, making it harder and more expensive to borrow money for crucial things such as a car, a house, or education, potentially trapping people in an inescapable cycle of debt.

Underscoring all these issues is the fact that our state ranks almost dead-last nationally for understanding the core concepts of money management (48th) and in the lower third for overall financial literacy (38th), making it one of the least financially literate states, according to WalletHub.

More: Tennessee among top U.S. states with people in financial distress, study says. Here’s what that means.

Business as usual won’t address the financial challenges facing Tennesseans. Collaboration is key. United Community is committed to working hand-in-hand with community groups to ensure every Tennessean has access to the financial education and tools they need to thrive. This starts with equipping them with the knowledge to manage money effectively, a mission we take very seriously.

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How gamification can help kids become more financially literate

To help head off issues at an early age, United Community has partnered with Greenlight, a free service that uses gamification to make financial literacy fun for kids. This innovative approach equips young Tennesseans with essential money management skills and teaches valuable lessons about saving, spending, and earning through real-world applications like chores and allowances.

Here in Middle Tennessee, our dedication goes beyond just offering financial services and education; our bankers provide financial support and volunteer with organizations such as Habitat for Humanity, which builds strength, stability and self-reliance in partnership with families in need of decent and affordable housing. In addition to helping build Habitat homes, our bankers help provide the financial education that is part of the necessary foundation for success for new homeowners.

We are committed to creating better opportunities for everyone to achieve their financial goals. Financial education is a huge piece of that equation. But our efforts alone aren’t enough.

We need others to join us in this mission to elevate financial education literacy across Tennessee. Together, let’s make financial education a cornerstone of our state’s prosperity. The stakes have never been higher, but with collective effort and commitment, we can build a brighter, more financially secure future for all Tennesseans.

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Kelley Kee is the Tennessee state president for United Community and has more than 30 years of banking experience in the greater Nashville area. 



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How much have Tennessee gas prices risen amid war in Iran?

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How much have Tennessee gas prices risen amid war in Iran?


Gas prices on March 5 have gone up 27 cents in both the U.S., and in Tennessee compared to one week ago, which likely relates to the war in Iran, according to AAA – The Auto Club Group.

The national average for a gallon of regular unleaded gasoline is $3.25. Tennessee’s average on March 5 is $2.84, according to AAA.

The last time the national average made a similar weekly jump was back in March of 2022 during the start of the Russia/Ukraine conflict, AAA said.

“Oil prices are rising largely due to growing instability in a region that is essential to global energy markets,” AAA spokesperson Megan Cooper said. “Although the U.S. does not import oil from Iran, the country remains a major producer, supplying nations such as China and India. Any potential disruption to Iranian oil infrastructure can influence global supply expectations.”

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Middle Tennessee county averages include:

  • Davidson County: $2.90
  • Williamson County: $3.12
  • Rutherford County: $2.87
  • Wilson County: $2.88
  • Sumner County: $2.89
  • Robertson County: $2.90
  • Cheatham County: $2.92
  • Maury County: $2.85.

Crude oil pricing correlates to about 60% of what consumers pay at the pump, Cooper said. Recent global tensions tied to the conflict with Iran are adding upward pressure on crude oil prices, according to AAA. 

Also, the Strait of Hormuz is a critical connection for the Persian Gulf to open waters as a shipping lane for crude oil. Because oil is traded globally, a shortfall in one region can impact prices throughout the world.

Tennessee and the southeast portion of the U.S. consistently rank among the least expensive markets for fuel. Proximity to refineries and pipeline infrastructure are major reasons for less expensive gas, according to AAA.

Tennessee is currently the fourth least expensive market in the U.S. for gas. The last time Tennessee’s average was over $3 per gallon for regular unleaded gas was August 2024.

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Refineries are also starting the process of producing summer-blend gasoline. which contains additives to help reduce evaporation during warmer months and adds to the cost. Gas demand generally increases with the spring break season and the expectation of more road trips.

Disclaimer: This story was created by reporter Andy Humbles at ahumbles@tennessean.com, with the assistance of Artificial Intelligence (AI). Journalists were involved in every step of information gathering, review, editing and publishing.

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Tennessee Football 2028 In-State CB Target Jermaine Cobbins Talks Recruitment

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Tennessee Football 2028 In-State CB Target Jermaine Cobbins Talks Recruitment


One of the nation’s fast-rising 7v7 events made it back to the Atlanta area as The Sevens 7v7 tournament was held at Peachtree Ridge High School over the weekend.

Many of the top organizations across the country registered and entered the tournament such as Hustle INC, C1N, NPA, 24K Cold Hearts, and Fast Houston.

The amount of star power each brand displayed with many of the top athletes from all of the country was insane to fathom.

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One of the nation’s coveted 2028 cornerbacks was in attendance as Jermaine Cobbins and NPA showed up on a mission.

NPA earned the number 1 seed during pool play on the first day of the event. The team fell just short of the championship game, but the players went down swinging.

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Vols on SI caught up with Cobbins to discuss any recruiting updates, and to shed light on an off-field story that deserves some attention.

Jermaine Cobbins Update

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2028 Springfield (TN) cornerback Jermaine Cobbins | Dale Dowden- Vols on SI

“The recruitment is going great,” Cobbins said.

“You know, a lot of teams are showing love,” Cobbins continued. Alabama, Vanderbilt, and Texas A&M were a few schools mentioned to be showing a lot of love to the Tennessee native.

Cobbins has plans to get on the road once dead period is over.

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March 2- Auburn
March 6- USC (potentially)
March 13- Alabama
March 17- Georgia
March 19- Tennessee
March 21- Vanderbilt

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As Cobbins is wrapping up his sophomore year and on his way to becoming a junior, the pace will pick up as schools will come on stronger as some will fall back. The talented defender has to check boxes of his on while spending time with each school.

“The main thing I’ll be looking for is probably how much love are they going to be showing, their background (track record), and how the coaches coach,” Cobbins explained.

With a visit to Rocky Top in a few weeks looming, this will be the first time Cobbins has made it to Tennessee since the staff changes on the defense.

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Cobbins had a relationship with Coach Michael Hunter Jr., who joined the Volunteers staff for a very short time before taking an opportunity in the NFL.

“Me and the corners coach had a great relationship, he came (to UT) but he left out for the NFL, so kudos to him. Love that for him. I’ve met Coach Poindexter. He’s a great coach,” Cobbins said.

The coaching staff at Tennessee stands out to the Springfield (TN) student-athlete as, “they coach at a high level.” Cobbins would go on to describe how the Vols pulling in great talent truly has an impact because you get to practice against some talented players day in and day out.

Cobbins Gives Back

Cobbins recently had the opportunity to give back to the next generation, and it was no surprise to see this act carried out, so Vols on SI had to ask about this act of kindness before concluding the interview.

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“That was very important (to me), you know. It just really made me feel good inside. I always love giving back to the little kids, especially from my hometown,” Cobbins said with a smile.

Cobbins understands the small-town life, and how such a simple gesture can make a huge difference. Talent aside, this is an A+ young man.

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Vanderbilt Basketball Guard Leaves Program Ahead of Tennessee Matchup – Knoxville Today

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Vanderbilt Basketball Guard Leaves Program Ahead of Tennessee Matchup – Knoxville Today


Published on Mar. 4, 2026

Vanderbilt basketball guard Frankie Collins is leaving the program, head coach Mark Byington announced on Tuesday night. The news comes just days before the Commodores are set to face off against Tennessee in the regular season finale, with the Volunteers looking to clinch a top-four seed and double-bye in the SEC Tournament.

Why it matters

Collins was Vanderbilt’s most highly touted transfer last offseason, but injuries limited him to just nine games this season. His departure leaves the Commodores shorthanded heading into a crucial matchup against their in-state rival Tennessee, who are seeking to complete a regular season sweep.

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The details

The 6-foot-1 guard averaged 7.8 points, 4.7 assists and 4.2 rebounds per game this season, but suffered a meniscus injury in December that sidelined him for the majority of the year. With the emergence of sophomore point guard Tyler Tanner and Oklahoma transfer Duke Miles, Collins never quite found his footing in the Vanderbilt lineup.

  • Frankie Collins left the Vanderbilt program on Tuesday, March 4, 2026.
  • Vanderbilt is scheduled to face Tennessee on Saturday, March 8, 2026.

The players

Frankie Collins

A 6-foot-1 guard who was Vanderbilt’s most highly touted transfer last offseason, coming to Nashville after spending the 2024-25 season at TCU and the three prior years at Arizona State and Michigan.

Mark Byington

The head coach of the Vanderbilt Commodores basketball team.

Tyler Tanner

The sophomore point guard who emerged as a key player for Vanderbilt this season.

Duke Miles

An Oklahoma transfer shooting guard who joined the Vanderbilt roster this season.

Rick Barnes

The head coach of the Tennessee Volunteers basketball team.

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What they’re saying

“Frankie has left Nashville, and he’s not gonna be on the team. It’s gonna be good for both sides of it. We wish him well. So we’ll roll with the guys we got.”

— Mark Byington, Head Coach, Vanderbilt Commodores (rockytopinsider.com)

What’s next

With a victory over Vanderbilt, Tennessee will clinch a top four-seed and a double-bye in next week’s SEC Tournament. Vanderbilt could potentially earn a double-bye themselves with a win and a little extra help.

The takeaway

The loss of Frankie Collins leaves Vanderbilt shorthanded heading into a crucial matchup against in-state rival Tennessee, who are seeking to complete a regular season sweep. The Commodores will have to rely on the emergence of players like Tyler Tanner and Duke Miles to try and pull off the upset and keep their own postseason hopes alive.

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