Financial literacy is an essential life skill, yet many adults still struggle with everyday budgeting and understanding how education, career, and lifestyle choices affect their financial well-being. That’s why it’s crucial to begin teaching financial literacy at a young age.

In celebration of Financial Literacy Month, 4-H Agent Toniqua and Digital Skills Agent Rebecca collaborated to deliver a five-week financial education program at Bertie Early College High School. Each week, students explored different aspects of personal finance in an engaging, hands-on way.

One of the key topics was how career and family choices directly impact monthly income and expenses. Each student was randomly assigned an occupation, number of children, and a monthly salary. From there, they navigated real-world financial scenarios, including deductions like taxes and Social Security, budgeting for savings and insurance, and learning how to safely manage their money through banking.

The program culminated in the Real Money, Real World simulation, where volunteers helped students make informed decisions across various life categories such as childcare, housing, insurance, student loans, clothing, and food. Students even encountered a "chance" booth—mimicking life’s unpredictability with surprise events like a flat tire or an unexpected windfall.

Feedback from students was insightful and encouraging. One student shared, “I would love to plan and save up for my first car now, so that I don't have to worry about a high interest rate or car payment.” Another was surprised by the high costs of childcare and insurance. Many agreed that having children is a significant financial commitment.

While the class only lasted a little over a month, the impact was meaningful. We thoroughly enjoyed our time with this group and look forward to guiding the next class through this empowering journey.