Financial Literacy in Opal, WY
With a population of roughly 64, Opal, Wyoming is the 97th-largest of 99 incorporated places in Wyoming. Its population has held essentially flat since 2020, moving less than a percent either way. The median age is 61.5, skewing older, where the pressing questions shift toward retirement income, medical costs and passing things on.
6.6% of Opal residents 25 and older have completed a bachelor's degree or more. That sits 15.5 points below the Wyoming average of 22.1%. Put the other way round: of the 61 adults 25 and over counted in the 2019–2023 ACS, roughly 57 — 93.4% — are building their financial lives without a four-year degree behind them.
The typical household here earns $53,750 a year. That is $12,426 below the Wyoming median. About 0% of residents live below the poverty line. The median home is valued at $41,700, roughly 0.8× median household income.
Opal by the numbers
| Measure | Value |
|---|---|
| Population (2024) | 64 |
| Change since 2020 | 0% |
| Median household income | $53,750 |
| Adults 25+ with a bachelor’s degree | 6.6% |
| Adults 25+ with a high school diploma | 86.9% |
| Median age | 61.5 |
| Poverty rate | 0% |
| Unemployment rate | 3.3% |
| Median home value | $41,700 |
| Land area | 0.457 sq mi |
| Population density | 140 / sq mi |
What Wyoming teaches — and to whom
Wyoming embeds financial literacy in its content standards without a separate graduation mandate. Which means for most residents of Opal, whatever they know about money they picked up somewhere other than a classroom.
LearnLife organises this the way the decisions actually arrive: Legal literacy — leases, contracts, employment rights and what a signature actually commits you to; Money — budgeting, credit, debt and taxes — the mechanics nobody is formally taught; Emotional regulation — the self-management that decides whether the other skills ever get used.
Where to start in Opal
Shift from accumulating to drawing down
With a median age of 61.5, a large share of Opal 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.
Questions people ask about Opal
Do high school students in Opal, Wyoming have to take a personal finance class?
No. Wyoming sets no statewide requirement that students complete personal finance before graduating.
How many adults in Opal, Wyoming have a college degree?
6.6% 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 93.4% are managing their finances without one.
What is the median household income in Opal, Wyoming?
$53,750, per the Census Bureau's 2019–2023 American Community Survey.
Where can adults in Opal, Wyoming 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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