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Financial Literacy


Student Money Smarts

Financial literacy is significant for young students as a vast amount of responsibility requires them to gain the knowledge early on to make financial decisions such as the investment in education, which may involve having to resolve whether or not to pursue college and how they will ultimately finance that education (Lusardi, 2015). 

As per a survey completed by the Council for Economic Education in 2014, it was highlighted that in only 17 states were students required to pursue a personal finance course or at least that personal finance be integrated to an economics or civics course as part of a requirement to high school graduation (Gill and Bhattacharya, 2015). To the students’ benefit, Danes, Huddleston-Casas, and Boyce (1999) and Danes (2004) note that soon after exposure to a personal finance curriculum, students may experience an improvement in financial knowledge, self-reported financial behavior, and confidence (Gill and Bhattacharya, 2015).


With the growing complexity of financial services and products available, schools need to ensure their students are equipped to be smart consumers. Not enough schools teach financial literacy, but Cueponi Educational has workshops, forums, and summer curriculum to teach students sustainable money habits and better equip them for money management. The importance of financial literacy as a college student is often overlooked and the lack of it can have a negative effect on a student’s college success.  


Generational Wealth 

Financial inclusion tends to be low among Latinos (Barros Lane and Pritzker, 2016), which means that in many occasions, Latinos face limited access to financial institutions with useful and secure products and services (Sherraden, 2013). In addition, through the Ariel/Aon Hewitt Study (2012) it was discovered that retirement savings for the Latino population lag substantially behind other ethnic groups, and Meschede, Shapiro, Sullivan, & Wheary (2010) note that should this concerning financial trend continue, more than 90% of Latino seniors will not have enough funds to support themselves with throughout the rest of their lives (Barros Lane and Pritzker, 2016).  

The issue of financial literacy and college completion are intersectional, and this is especially important in low-income homes. Cueponi Educational provides workshops, seminars, and financial coaching to the community. The complex world of financial services provides too many potential pitfalls for families who are not financially savvy. Financial institutions can easily take advantage, whether purposely or not, of individuals who are not financially literate. Our workshops, seminars, and financial coaching focus on debt freedom, financial independence, savings, and other money topics to build financially literate families.  


Barros Lane, L., & Pritzker, S. (2016). Toward culturally sensitive financial education interventions with Latinos. Journal of Community Practice, 24(4), 410–427.

Gill, A., & Bhattacharya, R. (2015). Integration of a financial literacy curriculum in a high school economics class: Implications of varying the input mix from an experiment. Journal of Consumer Affairs, 49(2), 472–487. 

Lusardi, A. (2015). Financial literacy skills for the 21st century: Evidence from PISA. Journal of Consumer Affairs, 49(3), 639–659. 

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