87% of U.S. adults reported leaving high school without a secure understanding of handling money in the real world, according to a study by Ramsey Education. It is clear high school does not prepare students for the financial crises they may face. Aiming to reduce this problem, FHS sophomore Allyson Chan and seniors Rishav Singh and Ryan Wong have started a financial literacy after-school program through FBLA. In this program, they aim to teach financial literacy and career readiness to students which is implemented through an easy curriculum.
“One in three adults in America feel that they’re worried about money problems,” Wong said. “So I think, bringing attention to that early on, especially for middle schoolers, and hopefully [help them] continue their journey of being ready for the future.”
The program leaders will track students’ by assessing them with a national test. Not wanting to bore the middle schoolers with constant information, the FHS students incorporated games into their curriculum.
“We spent a lot of time trying to figure out engaging games so the kids would actually enjoy what they’re playing,” Singh said. “Because we really believe that retention is going to come from actually remembering things. We don’t want them sitting down, taking notes on some whiteboard and that’s not fun.”
After working out all the curriculum, the current concern is finalizing details regarding middle school timings and dates to kick start the program. The FHS students hope for the program to officially start on Jan 29, 2026. The program not only benefits the middle school students but it is also an opportunity for additional FHS FBLA members to obtain volunteer hours.
Ultimately, this student-led financial literacy program highlights how motivated young leaders can address real-world gaps in education. By combining engaging activities and accessible lessons, the FHS students aim to leave middle schoolers with essential financial skills early on. Their efforts not only prepare younger students for future financial challenges but also encourage leadership, responsibility and community involvement among high school students, which benefits them through earning volunteer hours. As the program prepares for its official launch, it stands as a promising step towards building a more financially educated generation.
.
