The Great Recession left millions of Americans reeling, withmany buried under a mountain of debt when the housing bubble burstand credit card charges piled up.

With the economy continuing its slow recovery, it might havebeen expected that Americans would get their financial houses inorder. But according to WalletHub.com's latest state rankingsof financial literacy, too many have not learned the hardlessons.

The rankings, which included the District of Columbia, showed awoeful lack of knowledge about managing finances.

Since 2012, credit card debt has risen by $153 billion, a signthat the bitter taste of 2008 might have been forgotten. As formaking a family budget, half of those in the U.S. don't bother. Inaddition, 54% don't have any money saved for emergencies and, aswas the case last year, 20% outspend their incomes.

The site used three criteria to rate states: Its own literacysurvey, planning and daily habits, and knowledge and education.Components of the second category included the high school dropoutrate, results of a Financial Industry Regulatory Authority literacysurvey and the percentage of adults with a bachelor's degree, amongother things. The third category included looking at the percentageof people who spend more than they earn, how many have a rainy dayfund and those paying just the minimum due on credit cards.

Taking everything into account led to the site's U.S. rankingswith the literacy test counting for half a state'sscore.

It's notable that even the smartest states fall well short of aperfect 100 in the scoring.

Check out the 10 smartest states for financial literacy:

10. Virginia

Overall score: 65.86

Literacy: 44 out of 51

Planning and daily habits: 25 out of51

Knowledge and education: Two out of 51

9. New York

Overall score: 66.11

Literacy: 44

Planning and daily habits: 25

Knowledge and education: Two

8. Utah

Overall score: 66.46

Literacy: 46

Planning and daily habits: Six

Knowledge and education: One

7. Florida

Overall score: 66.69

Literacy: Two

Planning and daily habits: 14

Knowledge and education: 27

6. Maine

Overall score: 66.79

Literacy: 17

Planning and daily habits: Seven

Knowledge and education: 11

5. Maryland

Overall score: 66.95

Literacy: 35

Planning and daily habits: Four

Knowledge and education: Four

4. New Jersey

Overall score: 67.11

Literacy: 22

Planning and dailyhabits: Five

Knowledge and education: Eight

3.Illinois

Overall score: 67.24

Literacy: Six

Planning and daily habits: 12

Knowledge and education: 13

2. Minnesota

Overall score: 68.12

Literacy: 12

Planning and daily habits: 16

Knowledge and education: Five

1. NewHampshire

Overall score: 69.93

Literacy: 16

Planning and daily habits: One

Knowledge and education: Six