Youth Smart

Youth Smart Financial Education Services is a financial education and coaching program designed for adolescents, young adults, and their families. Youth $mart helps schools, businesses, government entities, non-profit organizations provide financial education to their clients. Our mission is to increase financial wellness. Therefore, we also offer... one-on-one adult coaching sessions. Statistics show that Americans can benefit from financial education and financial coaching: 84%of undergraduates admitted the need for more financial management education.(Sallie Mae, "How Undergraduate Students Use Credit Cards: Sallie Mae's National Study of Usage Rates and Trends 2009") 34% of Americans did not have any savings in 2015.(Neighborworks.org) People in the 18 to 24 age bracket spend nearly 30% of their monthly income just on debt repayment. - (10% of net income is a recommended amount for debt obligation).(Center for Responsible Lending) The average household credit card debt in 2015 was nearly $7,500.(Cardhub.com) We believe that everyone should have the education and resources to make sound financial decisions. Knowledge and confidence is required to ask the right questions in order to make an informed decision. Unfortunately, personal finances and money management skills are not nourished in the educational system. This forces young adults to haphazardly learn their money management skills through their financial mistakes! Youth $mart specializes in classes for young people. However, we also assist the young-at-heart because we are committed to enlightening people of all ages.Read More