Financial Capability 

Fake Money Helps Drive Lessons Home (Article) 
This teacher profile from Jump$tart highlights the work of Jill Lucero, a personal finance teacher at East High School in Wyoming. Ms. Lucero uses fake money to 'pay' the students for their attendance and 'charge' them for being late, borrowing materials or using a hall pass to visit the restroom. By registering each transaction made, the students learn how to keep an eye on their accounts and make sound decisions with their money. Ms. Lucero also augments her lessons with the H&R Block Budget Challenge and the SIFMA Foundation Stock Market Game. 
Consider alternatives before you resort to a payday loan (Article) 
This article from KOMO News (WA) advises people to be cautious about turning to payday loans as a solution to emergency monetary needs. Due to rouge late fees and penalties, payday loans can often be misleading and leave people owing much more than they borrowed. Think twice and shop around before resorting to a payday loan. 
Financial Literacy in Indian Country: Working to Bridge the Gap (Article) 

The Administration for Native Americans (ANA) is celebrating financial literacy month by offering a glimpse into Native Americans’ capacity, based on knowledge, skills, and access, to manage financial resources effectively and what projects we’re funding to increase it. 

Building Assets and Building Lives: Financial Capability Programs in Native Communities (Report) 

Was produced to provide an overview of a range of programs serving reservation-based Native communities in the Northwest Area Foundation region. The report will start by presenting a conceptual framework for understanding financial capability in Native communities, and a review of the literature on Native financial capability. The report will then discuss promising strategies and methods for increasing financial capability, and provide an environmental scan of successful programs serving Native communities in the eight-state Northwest Area Foundation region. The impact of these programs on financial empowerment and financial inclusion will be discussed. This paper will conclude with recommendations on how to support financial capability programs, and suggestions for how to most effectively promote these strategies in the region.

Building Financial Capability in Youth Employment Programs (Report) 

This report is based on information from a roundtable convened by the Consumer Financial Protection Bureau. It was prepared by the Corporation for Enterprise Development (CFED) under the Assets for Independence Program’s ASSET Initiative Partnership for the Administration for Children and Families at the U.S. Department of Health and Human Services.

Financial Literacy Among American Indians and Alaska Natives (Report) 

This study adds to previous work on financial literacy among minority groups by examining the American Indian and Alaska Native (AIAN) population. Prior research on AIANs has often used convenience samples of university students and has been limited by the lack of nationally representative samples (for example, Anderson and others (2010); Chen and Volpe (2002); Mandell (2009); and Mandell and Klein (2007).

Softening the Blow: Income Shocks, Mortgage Payments & Emergency Savings (Report)

A study conducted by the FINRA Investor Education Foundation’s National Financial Capability Study implies that households who lack emergency savings are more inclined to experience mortgage payment problems if the household’s income unexpectedly drops. 

In Our Best Interest: Women, Financial Literacy and Credit Card Behavior (Report) 

According to the study it was revealed that women with low levels of financial literacy were more prone to draw in costly credit card behaviors than men with low financial literacy. For more information, visit the FINRA Investor Education Foundation.

FINRA 2012 National Financial Capability Study

The study was first conducted in 2009 and uncovered key indicators among adults in the areas of demographics, behavioral, attitudinal and financial literacy characteristics.  In 2012 the study continued to further explore financial topics that are relevant to today’s society (i.e. student loans, medical debt, etc.) . 


Facts for Financial Education (Fact Sheet) 

Over the past decade, efforts have grown significantly to promote financial literacy and enhance financial capability in Native communities. Tribal and Native community leaders recognize that Native economies must have a solid foundation of individuals who have a better understanding of how to manage financial resources by wisely investing, spending, and improving their consumer knowledge. 


Building Financial Empowerment (Brochure

Being financially educated means you know how you spend your money. In fact, you have a plan for what and where you spend. But being financially empowered means you have control over your money. Here are some tips to help get you there. 

Financial Education in Native Communities: A Briefing Paper

Was published by First Nations Development Institute, CFED and National Congress of American Indians and serves as a resource for tribes, policymakers, researchers, advocates, and community practitioners promoting financial education in Native communities. 

One Step toward Financial Freedom by Molly Tovar in Collaboration with Mannford Public Schools

JOM Program (Concept Paper

Saving money is the number one key to building wealth and becoming financially successful. This project aims at the youth who have not yet made the connection between saving and financial success.