Youth Financial Coaching at Youth Smart Edu
“Money is one form of power, but what is more powerful is financial education.” - Robert Kiyosaki
Youth Financial Coaching offers individualized sessions which teach the basic principles of personal finances. This allows teens & young adults to focus on their goals and take full responsibility for their future.
A lack of knowledge regarding how to save, create a spending plan, reduce debt, and build credit explains our financial decisions.. why student loan debt is so high and why 40% of Americans could not cover it...
Youth Smart is a financial education program for teens. Through one-on-one coaching, we teach youth and young adults about money management such as credit, budgeting, debt management, student loans, saving, and other life-skills lessons that will impact their finances more than boring assignments leading to do my homework for me requests.
Why Youth Smart?
Studies have shown that upon graduating from high school 84% of the students realized that they lack money management skills. That explains why 40% of Americans could not cover a $400 emergency. That doesn’t necessarily mean that we earn lower salaries (although many do), it means that we have a lack of knowledge, how many times your Google's queries was "I need help with my homework". This lack of knowledge regarding how to save, create a spending plan, reduce debt, and build credit are the reasons for the deficit and it explains our poor financial decisions. Our educational system teaches many valuable lessons. However, the system fails to teach perhaps the most valuable lesson, money skills. As of this writing, only 17 states require schools to offer a curriculum that includes personal finances. Ironically, more states have mandated a sex education curriculum.
Financial education provides knowledge and increases confidence. Everyone needs financial education. It strengthens the economy by producing informed, educated, and responsible consumers. Education raises awareness.
What is Youth Financial Coaching Programm
Your teenager could benefit from a two-hour virtual session if you want them to learn about
- Making wise student loan decisions.
- Creating a budget.
- Establishing their credit.
- Saving money.
- Interest rates.
- The negative effects of debt.
- Gaining clarity about their financial future.
- The fundamentals of personal finances.
This session allows teens to focus on their goals so that they can take full responsibility for their financial future. Sessions can be held online via Skype, Zoom, or on the phone. During the private session with Roslyn, they can hone in on a specific area.
- Credit building techniques.
- The importance of establishing an emergency fund.
- Identifying spending habits and money motives.
- How to develop a spending & saving plan.
- Identifying their shortcomings.
They’ll receive a boost in confidence plus…
- Clarity about ineffective money behaviors.
- Resources to grow their relationship with money.
- The knowledge that will positively impact their future for years to come!
Note: These sessions are for educational purposes only. If counseling is needed help regarding a financial situation, or you decide to delegate the assignment to a professional write my homework for me service, a Money Elevation Session is required.
“Participants loved how she connected with them and their teenagers.” - Willette Mosby-Reynolds, Habitat Forsyth
Organizations that are in need of youth financial literacy training may request a proposal for an on-site class. Offering classes to your clients (age 14 and up) couldn’t be easier. Just reserve a room at your workplace, and we’ll do the rest!
Classes are designed to provide an integrated course of study and are taught by national Personal Finance Expert, Roslyn Lash, AFC®. Upon completion of the full series, participants are provided with the necessary tools to become financially self-sufficient, increase wealth, and have a better sense of financial wellness! The following classes are offered:
- Credit Matters
- Credit Cards
- Debt Management (including Student Loans)
- Buying a car
- Consumers Awareness
Statistics show that young Americans can benefit from financial education:
People in the 18 to 24 age bracket spend nearly 30% of their monthly income just on debt repayment.
84% of undergraduates admitted the need for more financial management education.
Everyone should have the education and resources to make sound financial decisions. Knowledge and confidence are 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. Our goal is to help youth make better financial choices and to increase their chances for a better financial future!
Youth Financial Coaching: Books
The 7 Fruits of Budgeting
The 7 Fruits of Budgeting is based on seven of the Biblical attributes in Galatians 5:22 known as the “Fruit of the Spirit”. The number seven represents the number for completion. Therefore, you must utilize seven attributes (also called “Fruits”) to create a complete, effective, and successful spending plan.
In this book, you’ll learn how to:
- Stop living paycheck to paycheck
- Be true to yourself and to your loved ones
- Prepare for emergencies
- Increase your credit score
- Save for your future
- Eliminate debt
- Reduce stress and develop a healthier mindset
This book is a step-by-step guide to creating a budget that will inspire your dreams. It’s practical, easy to understand, and simple to implement. Regardless of your income, you will be rewarded with a more fulfilled life!
This journal takes you even further toward successful budgeting, making it a perfect companion to The 7 Fruits of Budgeting as well as a valuable resource on its own. Designed to be picked up at any time of year, Fruitful Living Financial Journal will help you put your ideas into action, keeping you on track towards setting achievable goals. Use this journal as a gauge for your finances, and to manage your daily schedules such as appointments and due dates for bills. This one-stop journal is an awesome tool to help you navigate the confusion and chaos of your daily financial life. Motivational messages are included throughout the book to help keep you inspired while on your journey. With plenty of room for writing and reflecting, this tool will keep you engaged, organized, and motivated.
The strategies in this book, The 7 Fruits of Budgeting, have allowed her to do more of what she enjoys, and to live a more fruitful life. Her tips are simple, easy to understand, and easy to implement so that you too can live fruitfully!
How to Increase Your Credit Score!
Learn how to raise your credit score for less than the price of a cup of coffee! Having a low credit score will affect your lifestyle. Buying a house, a car, or even buying a pair of shoes can be difficult if you have bad credit.
This instructional 17-page document entitled “How to Raise Your Credit Score” can help restore your credit. It was written by Financial Expert, Roslyn Lash, AFC®. Her advice has been featured in national publications such as USA Today, TIME, Huffington Post, NASDAQ, Los Angeles Times, and a host of other media outlets. She teaches you step-by-step what you need to do to raise your credit score!
Your credit affects your lifestyle… where you live, the car that you drive, and where you take vacations has a lot to do with your credit. Of course, it’s best to pay for everything in cash. But, let’s be realistic, how many people can afford to do that? If you are one of the millions of people that need credit, you need to know how to get a good score and how to keep it. The two most important ways to do this are by paying your bills on time, and learning how to strategically eliminate your debt.
Nearly half (46%) of adults could not cover a $400 emergency. It&rsquo's understandable that their credit would be affected by their lack of funds. Our goal is to help you reach your immediate goals. You can eliminate your debt, accumulate an emergency fund, and prepare for retirement!
About the Author Roslyn Lash
Roslyn Lash, the Money Elevation Coach, is a Financial Educator, Speaker, and Author. She’s passionate about helping millennials navigate through their finances so that they can live more purposefully. She is a Real Estate Investor and is also the Founder of Youth Smart Financial Education Services which specializes in financial literacy.
Roslyn has always been good at managing her money. Her abilities became publicly known after she happily survived a job loss, and became an Accredited Financial Counselor. Her advice has been featured in Huffington Post, Los Angeles Times, NASDAQ, TIME, USA Today, and a host of other media outlets.
Roslyn Lash is an Accredited Financial Counselor and the author of The 7 Fruits of Budgeting. She specializes in financial education and coaching. Roslyn is also a Real Estate Investor, and a Real Estate Broker. Her advice has been featured in national publications such as USA Today, Forbes, TIME, Huffington Post, Los Angeles Times, and a host of other media outlets.
Roslyn Lash, AFC, the founder of Youth Smart Financial Education Services, recognized the need for financial education. Financial education provides a clear understanding of how money works and how it should be managed. Decisions about finances affect our daily lives. We are faced with questions: Should I go to a University or a Trade School; pay cash or charge an item; or spend today or save for tomorrow? Money is important. After all, the primary reason for going to college is to secure a better-paying job. However, if your student loan payments don’t allow you to live a better life the degree may appear less valuable. Skills in personal finance are necessary in order to manage real-world decisions. Knowledge and confidence are required to ask the right questions in order to make an informed decision.
Do you offer 1:1 financial education sessions?
Yes, we can meet virtually with your youth. This session will teach them foundational principles that allow them to focus on their goals and take full responsibility for their financial future. Sessions are held online via Zoom, Skype, or on the phone.
Why is Financial Education necessary?
Financial education provides a clear understanding of how money works and how it should be managed. Decisions about finances affect our daily lives. We are faced with questions: Should I go to a University or a Trade School; pay cash or charge an item; or spend today or save for tomorrow? Skills in personal finance are necessary in order to manage real-world situations. Knowledge and confidence are required to ask the right questions in order to make an informed decision. Financial education provides knowledge and increases confidence. Everyone needs financial education. It strengthens the economy by producing informed, educated, and responsible consumers. Education raises awareness, and organizations that offer this service can maximize the impact that they have on their client’s ability to become financially self-sufficient.
Where are your classes held?
Classes are held at the requester’s location and are conducted by an Accredited Financial Counselor. If your clients (or employees) need financial education, or they ask for do my homework services - just reserve a room at your workplace, and we’ll do the rest!