(StatePoint) Americans are confident when it comes to their finances, yet unprepared for the future, according to the 2015 Financial Literacy Survey.

The survey, conducted by the National Foundation for Credit Counseling (NFCC) and NerdWallet, a personal finance website, found that a whopping 92 percent of Americans say they were very or somewhat confident in their most recent big financial decision. However, nearly three-fifths continue to spend without a budget.

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“Americans are lacking the strong foundation of financial literacy that leads to stability,” says Susan C. Keating, president and CEO of the NFCC. “Student loan debt and the high cost of retirement are significant obstacles in the way of many consumers, and the stakes are too high to let misplaced confidence get in the way of sound financial decisions.”

Three-quarters of Americans agree they would benefit from advice and answers to everyday financial questions from a professional, which Keating says is a hopeful sign that consumers are recognizing the need to boost financial literacy.

However, she adds, “realizing the need for help is a start, but taking action is what will make the difference.”

More survey results can be found by visiting www.nfcc.org/press.

Remember, it’s never too late to become a savvier financial consumer and take better control of your future.