Financial Literacy in Cotesfield, NE
Cotesfield, Nebraska is home to about 31 people. The population has grown 3.3% since 2020, from 30 to 31. The median age is 67.8, skewing older, where the pressing questions shift toward retirement income, medical costs and passing things on.
22.7% of Cotesfield residents 25 and older have completed a bachelor's degree or more. That runs 2.6 points above the Nebraska average of 20.1%. Put the other way round: of the 22 adults 25 and over counted in the 2019–2023 ACS, roughly 17 — 77.3% — are building their financial lives without a four-year degree behind them.
The typical household here earns $31,250 a year. That is $32,500 below the Nebraska median. About 4.2% of residents live below the poverty line. The median home is valued at $45,000, roughly 1.4× median household income.
Cotesfield by the numbers
| Measure | Value |
|---|---|
| Population (2024) | 31 |
| Change since 2020 | +3.3% |
| Median household income | $31,250 |
| Adults 25+ with a bachelor’s degree | 22.7% |
| Adults 25+ with a high school diploma | 77.3% |
| Median age | 67.8 |
| Poverty rate | 4.2% |
| Unemployment rate | 16.7% |
| Median home value | $45,000 |
| Land area | 0.524 sq mi |
| Population density | 59 / sq mi |
What Nebraska teaches — and to whom
Nebraska already requires 1 semester of personal finance for a high school diploma, a rule in force since the graduating class of 2021. That covers students still in the system. It does nothing for the adults already out of it — which, in Cotesfield, is most of the people reading this.
LearnLife organises this the way the decisions actually arrive: Emotional regulation — the self-management that decides whether the other skills ever get used; Money — budgeting, credit, debt and taxes — the mechanics nobody is formally taught; Legal literacy — leases, contracts, employment rights and what a signature actually commits you to.
Where to start in Cotesfield
Shift from accumulating to drawing down
With a median age of 67.8, a large share of Cotesfield is closer to drawing on savings than building them. The skills that matter shift accordingly: sequencing withdrawals, understanding Medicare's enrolment windows, and getting beneficiary designations and a will actually filled in.
Treat income stability as a skill
Unemployment in Cotesfield sits at 16.7%. Where work is less certain, the practical skills are the defensive ones: what unemployment insurance actually pays and how fast, how to read a severance agreement, and which bills to triage first when income stops.
Questions people ask about Cotesfield
Do high school students in Cotesfield, Nebraska have to take a personal finance class?
Yes. Nebraska requires 1 semester to graduate, in force since the class of 2021.
How many adults in Cotesfield, Nebraska have a college degree?
22.7% of adults 25 and older hold a bachelor's degree or higher, based on the Census Bureau's 2019–2023 American Community Survey. The remaining 77.3% are managing their finances without one.
What is the median household income in Cotesfield, Nebraska?
$31,250, per the Census Bureau's 2019–2023 American Community Survey.
Where can adults in Cotesfield, Nebraska learn personal finance?
Graduation requirements only ever reach people still in school. For adults, LearnLife covers the same ground on demand — money, legal literacy and the self-management that decides whether either gets used.
Start with whichever one is costing you money right now.
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