Using data collected from a pre-training survey, post-training survey, and telephone follow-up survey, this study analyzes the impact of the Money Smart financial education curriculum upon the financial opinions and behaviors of course participants during the survey period. The data indicate that Money Smart financial education training positively affected consumer behaviors and that behavior changes were demonstrated many months after completing the training. Among the significant findings were that participants were more likely to open deposit accounts, save money in a mainstream deposit product, use and adhere to a budget, and have increased confidence in their financial abilities when contacted six to twelve months after completing the Money Smart course than they were before taking the course. The following are appended: (1) The FDIC's Implementation of Money Smart; (2) Survey Instruments; (3) Development of the Survey Instruments; (4) Procedures for Implementing the Surveys; (5) Summary of Survey Sites; (6) Call Design for Telephone Follow-up Survey; (7) Statistical Details; (8) Research Limitations; (9) References; and (10) Statistical Tables. (Contains 35 illustrations, 27 exhibits, 30 tables, and 27 footnotes.)