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Joe Brooks

Founder | Let's Get Started Now

Let's Get Started, Now!

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Financial Literacy Through Education

Our workshops are designed to inspire people to become the best version of themselves by making prudent financial decisions that will advance their version of the American dream!

Workshops

Play Video

Joe Brooks

Founder | Let's Get Started Now

Financial Literacy Through Education

Let's Get Started, Now!

Workshops

"The No.1 problem in today’s generation and economy is the lack of financial literacy..."

- Former Federal Reserve Chairmen Alan Greenspan

Financial Literacy -Generational Issue

“The No.1 problem in today’s generation and economy is the lack of financial literacy”, continues to ring true today. Understanding how money works is a fundamental life skill that does not come easy for many. In fact, it’s a matter that becomes exacerbated when there’s little to no educational support. We need to raise awareness about this important issue as part of Financial Literacy.

Our Vision:

To launch a cultural movement with consumers in underserved communities that activates a spirit of intellectual curiosity to acquire knowledge in financial literacy that will provide a foundation for them to live a financially healthy life.

Our Mission:

Encourage and motivate workshop participants to acknowledge the power and importance of financial literacy by delivering interactive and thought-provoking workshops. This recognition will lead to changes in behaviors and habits that will create a culture of savings, responsible debt management, and preservation of excellent FICO scores.

Our Audience:

Target youth and young adults in underserved communities that historically are defined as At-Risk and or disadvantaged populations. In addition our program targets inmates in incarceration that will be released into mainstream society in twelve months or less. This population needs financial literacy to help restore their credit rating while developing effective money management habits to transition into society successfully.

Young Americans owe over $1 trillion in debt, and 70% of millennials live paycheck to paycheck.

-United Way National Capital Area

Financial Literacy for Youth: Why It Matters

Many young people will enter adulthood without the essential financial knowledge and skills they need to make informed choices about their money.

Consider this: Young Americans owe over $1 trillion in debt, and 70% of millennials live paycheck to paycheck. These alarming statistics highlight an urgent need for financial education among young people. Early -adulthood financial decisions can have lifelong consequences. Equipping young people with the tools to manage their money effectively helps them avoid the cycle of debt and economic insecurity that plagues many Americans well into adulthood, giving them the foundation to build a secure financial future. -United Way National Capital Area

Minorities Statistics- Wealth Creation

1 in 20

Black and Brown Student population

In schools with >75% Black and Brown Student population 1 in 20 students were guaranteed to take a standalone “Personal Finance” course prior to graduation- Statistics provided by NGPF.

1 in 7

Black and Brown Student population

In schools with <25% Black and Brown Student population 1 in 7 were guaranteed to take a standalone “Personal Finance” course prior to graduation.

25%

The percentage of U.S. adults with poor financial literacy increased from 20% in 2017 to 25% in 2023.

23 cents

Black families

Black families owned 23 cents for every $1 dollar of white family wealth on average.

19 cents

Hispanic families

Hispanic families owned 19 cents for every $1 dollar of white family wealth on average.

Financial literacy is correlated with income, as only 28% of Americans earning less than $25,000 per year are financially literate.

28%

Black households had the largest share of their liabilities in consumer credit card debt compared to white and Hispanic households.

Check Out Our Survey Results NEL 2025 Summer Workshop Participants

City of Norfolk Emerging Leaders Program

The survey responses are from forty-two participants that included juniors and seniors in high school in addition to first and second year college students confirm that the financial literacy workshops were effective and a tremendous success. Upon review of the survey, on average thirty three out of forty two participants selected the highest rating (5) for each of the six (6) questions provided on the post-training survey (see below). A total of 40 NEL participants out of 42 (or 95%) gave a rating of 4 or 5 for each question on the survey.

The central theme of the workshop was to educate participants on the importance of savings and to inspire them to create behaviors focused on allocating a portion of their earnings to savings. Workshop participants were encouraged to “pay themselves first” by setting aside 20% of their salary each payment cycle for saving. Seventy one percent (30 out of 42 participants) of workshop participants selected the highest rating (5) stating that” they would begin saving or saving more because of the training” (Survey Question #4). The survey percentage (%) increases to 90% when including participants who responded with a rating of four (4) for the same question.

Please note: Over 90 students attended the two day workshop sessions. Due to time constraints only 42 students were able to complete the survey.

Post Survey Questions:

Check Out Our Survey Results NEL 2023 Summer Workshop Participants

Question #1- Did the Training Meet Your Expectations

99% of the participants responded that the training met their expectations

Question #2- How would you rate the overall quality of this training session?

100% of the participants rated the overall quality of the training high.

Question #3- Was the training program interactive and engaging?

95% of the participants responded that the training program was interactive and engaging.

Question #4-Will you begin saving and or saving more because of this training?

90% of participants responded that they will begin saving or saving more as a result of the training.

Question #5- Did you receive new information regarding building wealth because of this training?

93% of participants responded that they received new information regarding building wealth from the training.

Question #6- Do you have a better understanding of why your credit score and money management are important because of this training?

95% of participants responded that they have a better understanding of why their credit score and money management is important as a result of the training.

Our Programs

All workshops are focused on educating participants on the “Building Blocks of Credit and Money Management while emphasizing the importance of saving for the future.

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Contact Me

To learn more about our programs and services please schedule a thirty-minute consultation using the Calendly form located on this site.

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