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January 22, 2020

Knowing how money works can help people make smart choices. When you think about money management, spending wisely may be the first thing that comes to mind. There are other things to consider too, like different ways to increase earnings, how to use credit and manage debt, when it makes sense to insure against risk, and how saving and investing can help make dreams come true. The term used to describe financial know-how across all of these areas is “financial literacy.”

Wouldn’t it be great to give students a head start on financial literacy? What if they started thinking early about the difference between wants and needs? If they knew the power of compound interest, might it motivate them to work and save toward big dreams instead of spending now on “wanted” things that won’t last? What if they suddenly “got it” that classes like math, science and foreign language study will affect their career options and income later in life?

“Sure,” you might be thinking, “but our 21st CCLC program doesn’t have the time, knowledge or resources for that.”

The good news is, you don’t have to be a money whiz to make financial literacy part of your program, and you don’t have to start at square one. Y4Y’s new Financial Literacy course walks you through planning and implementing financial literacy activities for students of all ages and their families. It shows how to enlist local people and resources to create powerful learning experences. It has tips for coaching and training your staff to support financial literacy activities and community partners. As with all Y4Y courses, you’ll also get tools to customize or use “as is.”

If you learned from Y4Y’s Building Financial Literacy Click & Go last year, and you’re ready to take the next step, this course is for you. Let Tawanda, the host, guide you through planning and implementing high-impact program activities. Investing in student and family financial literacy now can pay off in attitudes and habits that last a lifetime.



August 9, 2019

Did you ever wonder why there are so many idioms around sound financial decisions? “A bird in the hand is worth two in the bush.” “A penny saved is a penny earned.” For generations, parents have talked about money when passing along life’s wisdom. But our complex world has moved past simple rhymes.

Your 21st CCLC parents may envision their children becoming first-generation college graduates, or simply fitting in after arriving here from another country. They understand the importance of planning, are dedicated to their children’s futures and know that money talks. Unfortunately, common sense may not be enough to navigate modern-day financial decisions and talk back

The Y4Y Building Financial Literacy Click & Go is a great resource for you to help children and families get to know the basics outlined through an international effort to improve personal financial literacy. Many states now include financial literacy in learning standards and curriculum. The Y4Y Financial Literacy Standards Overview and Crosswalk tool can be a guide for building these crucial concepts and life skills into your program as you support multiple academic disciplines. Adult financial literacy courses offer a perfect opportunity to engage parents. You can invite in-depth conversations around how to make smart financial decisions in a notoriously complex arena. Be sure to check out Y4Y’s Evaluating Financial Literacy Resources to become confident about sharing the right information.

“Money talks” just means that money makes things happen. Even if they’re not tomorrow’s Rockefellers, citizens who understand basic financial concepts — earning income, spending, credit and debt, saving and investing, and protecting and insuring — are better poised to participate in personal and public financial decisions. Give your families that voice to talk back.