"I know nothing about banking, savings, or retirement," said Andre, an inmate in what's known as the Transitional Housing Unit of SCI Chester, a stone's throw from Harrah's casino and the industrial highway alongside I-95. Last names of inmates and their ages are withheld. Andre has already completed the FDIC Money Smart curriculum, 12 modules in all, and "I'd like to go to community college when I get out, maybe start a carpentry and construction business. This stuff is all new to me. I dealt in cash only, I ate out every night, paid cash for clothes, cellphone, my rent. I even paid cash for my car, which I bought at an auction. My mom had a bank account and credit cards, but I didn't."