Every person you teach has different financial habits, emotional connections with money, and current financial realities – each learner is different, and their unique needs should be considered in the programming.
From an early age, our financial attitudes and habits start to form. Parents, advertisers, peers, and influencers shape our children’s financial behaviors – often for the worse. Brown University’s research on chores demonstrates that financial habits tend to form and take firm root by as young as age nine. 
Unfortunately, Americans are not developing ideal habits for long-term financial security. Instead, an array of data demonstrate the need for learning a different approach. For example, 84% fall short of retirement savings targets ; 48% are poor or low-income ; 46% do not have $400 on hand for an emergency ; and 72% are experiencing financial stress .
Short on Retirement Savings Targets
Poor or Low-income Households
Do Not Have $400 for Emergencies
Experiencing Financial Stress
To reach these goals, the program is built around research-based instructional methodologies, including: