4-H and Charles Schwab are bringing financial empowerment resources and education to young people across the country.
About financial literacy

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.

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Smart Cents program

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.
How does it work?

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.


Download the Smart Cents playbook

To learn more about teaching financial literacy, download the free Smart Cents playbook.

4-H Smart Cents Playbook - Spanish
4-H Smart Cents Playbook - Spanish
4-H Smart Cents Playbook - English
4-H Smart Cents Playbook - English

Shop 4-H curriculum and products

Shop 4-H offers university-backed curriculum, educational kits, and products to expand your interest in financial literacy and more!

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