Every year, American children receive over $41 billion in allowance, gifts and wages – reason enough to start teaching children money management and consumer skills at a young age!

BALANCE offers several ways for you to connect with the youth in your market.


Get out in the community! Become a guest speaker in a classroom or at a scouting event. BALANCE provides everything you need to engage students. Each workshop topic comes with a PowerPoint presentation, a speaker’s guide, an attendee hand-out, and activities.

Three new workshops coming soon:

Earning Your Money

Start earning today! From traditional jobs to creative ways to make money, this workshop will give you tips on where to find work that is right for you. Find out how to maximize your earning potential with concrete steps that work. You will also learn how to set up direct deposit and how to understand your paycheck. Finally, learn how to use your money for the best financial benefit for you by setting goals and learning how to balance saving and spending.

Giving Away Your Money

You may wonder how you can also fit in charitable giving to your budget or even why you may want to give away you hard earned money. Join us in this workshop to find out the best ways to give, and why it benefits you, more than just monetarily. You will also learn how to find ways of giving that suit your lifestyle and core values. Get ready to learn the joys of giving!

The Path To Prosperity

You probably know you need a financial plan, but what does that look like? How do you save and still pay bills? This workshop will put you on the right path to financial success. Learn how to save, spend, and invest in a strategic way to maximize your financial freedom and goals. You will leave this workshop with a complete savings plan and budget. Plus, learn the ins and outs of smart investing, and how to get started today!

BALANCED LIFE – A Budget Simulation

Today’s youth lack education about practical subjects such as personal finance. In fact, 76% of college students wish they had more help to prepare for their financial futures (KeyBank) and according to The Student Monitor, 62% of those who graduate will carry an average of $27,236 in student debt with them as they journey into the harsh world of adulting.

BALANCE is committed to constructing effective education programs for adolescents and young adults so they can build their personal financial capability early in life, giving them a solid foundation for later-life financial well-being.

In adolescent and young adulthood, structured experiential learning activities that incorporate real-life financial decisions are the strongest platform for developing financial capability (CFPB).

The BALANCED Life program is designed to be a highly effective tool for teaching personal finance concepts and will transform teens’ working knowledge of money. Offered as two options – A Reality Fair and A Classroom Simulation – this program incorporates all of the keys to a successful simulator experience:

  • Easy to replicate materials
  • Realistic Scenarios
  • Clear instructions
  • Thorough debrief with students

Combining the reality fair and classroom simulations in one program offers the flexibility and scalability of a turnkey solution, allowing you to more quickly go to market and begin serving your community in a way that meets their needs and yours. 

Both versions of BALANCED Life budgeting simulations deliver:

    • Fun and interactive methods of learning on an experiential level about budgeting and adulting.
    • Learning objectives that meet the National Financial Literacy Standards on Budgeting
    • A boost to your credit union brand among members of your community, specifically Gen Z.
    • Shared experiences using partners to instill compromise and emulate real world scenarios.

Youth Videos

Videos attract attention on websites and in social media. YouTube is the second largest search engine because many people prefer to watch a video than read an article. We have three videos that will help you connect with your younger audience:

  • The Evolution of Money
  • Income & Wealth
  • Debt

Online Learning Modules – BalanceTrack

BALANCE offers five interactive online learning modules specifically designed for young adults that are a great addition to your website.

Topics include:

  • The Art of Saving Money
  • Cash Flow
  • Repaying Student Loans
  • Finances for College Students
  • Teens and Money

Engaging Youth with Integrated Programs

We created two different digital programs just for Credit Unions. The M3 Money Club is for kids ages 8-12 and Elements of Money is for teens 13 years and older. These programs meld a digital learning platform with the traditional physical collateral aspects of a youth program (newsletters, brochures, postcards, etc).

The M3 Money Club program provides:

  • A youth brand identity
  • Engaging website with colorful characters
  • Custom pages and co-branding
  • Financial content and quizzes
  • Comics, podcasts, and blog articles
  • Coloring pages, games and puzzles
  • Family marketing and promotions support
  • Newsletters, brochures, postcards & custom materials
  • COPPA-compliant

Example website:

The Elements of Money for Teens program provides:

  • A youth brand identity
  • Co-branded website & choice of themes
  • Digital youth presence
  • Financial education content
  • Videos, podcasts, articles & modules
  • Marketing and promotions support
  • Social media integration
  • Contests & rewards
  • Tracking and analytics
  • Mobile app
  • Newsletters, brochures, postcards & custom materials

Example website:

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