In what is being billed as an unprecedented look at financial behavior in all 50 states, a study out today rates New York, New Jersey and New Hampshire as having the most fiscally responsible residents.

The Investor Education Foundation of the Financial Industry Regulatory Authority (FINRA) asked 28,000 people questions on five key issues and used the results to produce a state-by-state look at financial capability.

While consumers in New York, New Jersey and New Hampshire ranked high in all categories, the news was not as good elsewhere. People in Oklahoma and South Dakota are more likely to be struggling to make ends meet. And residents of Texas and Kentucky are less likely to comparison shop for credit cards.

The study also examined age and gender differences and found that the young tend to rely on payday loans and advances on tax refunds rather than bank loans. They also are less likely to have emergency funds. It may not be surprising, but it’s distressing, because they are starting their careers overwhelmed by credit card and student loan debt.

(Read More: USA Today)