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Brooklyn Park, Downtown Minneapolis, Edina, Maple Grove and Plymouth, as well as by phone and onlineIn, according Links of London the Commerce Department, Americans spent everything they made, and then borrowed more, pushing the savings rate to a negative one percent, the lowest level since the Great Depression. Many parents hope for better for their children, which is why it's never too early to talk with them about money matters. Links of London Key Charm in a nationwide survey released on April by the Federal Reserve as part of National Financial Literacy Month, high school seniors had the worst scores so far in the six years the survey has been conducted. American teenagers answered only. percent of questions correctly about personal finance and economics. To spotlight youth financial literacy, April has been designated National Links of London L Charm Union Youth Week. In recognition, Twin Citiesbased TopLine Federal Credit Union has created Get Smart With Your Money, an initiative to encourage kids and their parents to talk about spending, saving, and sharing their money wisely. It's a great way for the whole family to improve financial habits. As part of the program, TopLine is offering seminars, as well as special youth savings challenges and giveaways at each of TopLine Federal Credit Union's seven metroarea branches. As an extra savings incentive, TopLine will match dollarfordollar deposits into Links of London Laughing Buddha Charm savings accounts, up to, for anyone opening a youth account or depositing into an existing account between April.