An illustration of children and technology promoting financial education and career readiness for youth aged 3 to 24, featuring laptops, tablets, and speech bubbles with financial symbols.

Building a Financially Secure Future

A significant gap in financial knowledge is leaving a generation of young people unprepared for the future. Nearly 75% of teens report lacking the confidence to manage their own finances, and high school students, on average, answer less than half the questions correctly on nationwide financial literacy tests. This challenge is magnified in low-income and Black communities, which often have less access to mainstream banking services and are disproportionately affected by the racial wealth gap.

Chalkboard with a green background displaying text about teens' lack of confidence, citing a source, with a green border and notice of the website fit2dream.org at the bottom.
A chalkboard with the title 'The Cycle of Debt' and a message about the financial impact of debt on low-income households, citing a source from the Federal Reserve.
A chalkboard with a wooden frame displaying the text about parental influence and financial topics discussion between parents and children, citing T. Rowe Price as the source, and the URL FIT2DREAM.ORG at the bottom.
Chalkboard with information about banking deserts, mentioning that low-income communities have fewer banks per capita, making financial services more difficult and increasing reliance on high-fee services like check-cashing stores. Source cited as FDIC, National Community Reinvestment Coalition.

Our Solution: Financial Literacy for a New Generation

At FIT 2 DREAM, we address this challenge head-on with a comprehensive financial literacy curriculum that serves as a cornerstone of our T.H.I.R.V.E. program model. We empower youth with the knowledge and tools to build healthy balance sheets, manage debt, and make informed financial decisions for life. Our program demystifies personal finance and positions education as a tool for creating a new, equitable economic future

Our dynamic curriculum, which utilizes materials from the National Financial Literacy Council, covers essential topics including:

  • Wealth Building: Understanding the fundamentals of how to build and sustain wealth.

  • Investing and Saving: Learning the power of compound interest and strategies for long-term growth.

  • Budgeting and Credit Management: Acquiring the practical skills to manage money, understand debt, and build a strong financial foundation.

  • Economic Mobility: Gaining the knowledge to navigate systemic barriers and create generational wealth.

A green chalkboard with a wooden frame displays statistics about student debt in the U.S. including the average loan amount for recent graduates exceeding $30,000 and total student debt surpassing 1.7 trillion dollars. The source is the Federal Reserve, The Education Data Initiative.

By integrating financial education with high-demand digital skills and dedicated mentorship, we are not just teaching a class—we are creating pathways to economic security and breaking generational cycles of poverty. Our goal is to achieve a 25% or greater improvement in financial literacy scores for our students, equipping them with the confidence and competence to build a prosperous future.

A green chalkboard with a wooden frame displaying a statement about the knowledge gap in a nationwide financial literacy test among high school students, with a source attributing the information to the Council for Economic Education.
A classroom chalkboard with a message about wealth gap, stating that the median net worth of a white household is nearly 8 times that of a Black household and 5 times that of a Hispanic household, emphasizing financial literacy as key to closing this gap, source: Federal Reserve.
Illustration promoting financial literacy for youth aged 3-24, featuring a smiling cartoon girl with glasses holding a sack of money with a gift box on top, surrounded by icons of a lightbulb, a chart on a tablet, and the text 'Financial Literacy for Youth Ages 3-24'.