If you’re a fan of Clark.com, you might know more about money than the average person. But a study on financial literacy says about two-thirds of Americans have some work to do.

5 questions to test your financial literacy

The FINRA Foundation study asked participants a handful of questions about interest rates, investing, bond prices, mortgages and risk — all the basics.

However, only 37% of people answered at least four out of five questions correctly.

That’s down from the National Financial Capability Study in 2009 — during the Great Recession — when 42% of respondents got a passing grade.

Can you ace the test? Good luck! (Answers below)

Question 1: Suppose you had $100 in a savings account and the interest rate was 2% per year. After 5 years, how much do you think you would have in the account if you left the money to grow?

More than $102
Exactly $102
Less than $102

Question 2: Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. After 1 year, how much would you be able to buy with the money in this account?

More than today
Exactly the same
Less than today

Question 3: If interest rates rise, what will typically happen to bond prices?

They will rise
They will fall
They will stay the same
There is no relationship between bond prices and the interest rate

Question 4: A 15-year mortgage typically requires higher monthly payments than a 30-year mortgage, but the total interest paid over the life of the loan will be less.

True
False

Question 5: Buying a single company's stock usually provides a safer return than a stock mutual fund.

True
False

Those with higher financial literacy are more likely to do the things we talk a lot about here: planning for retirement, building an emergency fund and using credit cards responsibly.

If you want to learn more about your money, here are some resources to get you started: