According to an article written by Forbes in April 2018, “ 44% of Americans don’t have enough cash to cover a $400 emergency,” and “33% of American adults have $0 saved for retirement”. These numbers are an indication of how poorly Americans are doing at financial literacy. Financial literacy is the education and understanding of several topics related to personal finances such as making good economic decisions, making money, budgeting, investing, and planning for retirement.

Over 44% of Americans are not prepared for an emergency that would cost them $400 or more, and around 33% have no money saved for retirement. Our decisions matter in shaping the economy, and teaching middle schoolers financial literacy can help them develop healthy saving and budgeting skills. This past week we hosted a free financial literacy workshop to teach children the value of money and the importance of decision making. Our workshop began with a lesson on credit and st