Charles
Schwab
Today’s young people face financial challenges like rising costs of education, housing and healthcare in an era of widespread wage stagnation. Now more than ever, young people need to learn financial skills and habits that will set them up for long term success.
4‑H and Charles Schwab are bringing financial empowerment to young people everywhere through the research-backed program “Smart Cents.”
Smart Cents helps young people develop financial skills and healthy habits that have been shown to have a positive long term effect on financial health, including:
- Learning how to make personal financial plans.
- Learning goal-setting, impulse control and mindfulness when it comes to financial decisions.
- Making informed financial decisions that may lead to the accumulation of wealth and increased opportunities.
As part of the Smart Cents program, 4‑H educators from the University of Nebraska-Lincoln have teamed up with skilled professionals from Charles Schwab to create a peer reviewed financial literacy playbook, which local educators across the country can use to implement research-backed curricula.
Smart Cents encourages a community-based approach to financial empowerment by bringing together local organizations, schools and informal educators to deliver research-backed programs to young people in underserved communities and their families.
Smart Cents on CLOVER by 4-H
Five Smart Cents activities have been combined to create a “Financial Futures” course on CLOVER by 4-H. The engaging and interactive activities teach youth how to earn, save, and spend money wisely, while discovering the power of budgeting. The activities also dive into the world of banking and explore different types of bank accounts to support youth in taking control of their financial future.
Smart Cents In-Person
As part of the Smart Cents program, 4H educators from the University of Nebraska-Lincoln have teamed up with skilled professionals from Charles Schwab to create a peer reviewed financial literacy playbook, which local educators across the country can use to implement research-backed curricula.
Smart Cents encourages a community-based approach to financial empowerment by bringing together local organizations, schools and informal educators to deliver research-backed programs to young people in underserved communities and their families.
Download the Smart Cents playbook
To learn more about teaching financial literacy, download the free Smart Cents playbook.
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