Most people lack the foundational knowledge they need to make financial decisions that align with their long-term goals.
That’s where I come in…
Clarissa values personal financial education and loves working with local and national partners to deliver or provide resources to those who need it most. If you are interested in personal finance workshops for your students, staff or clients, I welcome the opportunity to further my mission.
My personal finance workshop curriculum is geared towards high school teens ages 14+, college students, and adults. I’ve learned that when teaching personal finance, the learning outcomes are the same for all of these age groups. However, the standards and lessons have been broken down into beginner, intermediate, and advanced and there are modifications to how these lessons are taught to maximize appeal to the targeted ages.
The Shocking Truth
👉🏾 58% of Americans have less than $1,000 saved.
👉🏾 20% of Americans don’t save any of their annual income.
👉🏾 50% of American households live paycheck to paycheck.
👉🏾 Only 32% of US families maintain a household budget.
👉🏾 Americans hold a total of $1 trillion in credit card debt.
and that’s just some of them…
Education Helps
👉🏾 Helps become self-sufficient and achieve financial stability.
👉🏾 Helps create a realistic roadmap to good financial decisions.
👉🏾Empowers people to ask questions and seek out best options.
👉🏾 Decreases stress levels by knowing how to take action.
👉🏾 Reduces the risk of becoming a victim of fraud.
and so much more…
Here are some of the topics my curriculum covers:
Importance of Financial Goals
“Financial success is not about perfection, it’s about direction.”
Learn how to define your own financial vision to guide you in establishing money goals you can actually achieve. I also discuss the importance and purpose of financial goals, and what to do when your plans don’t go as planned.
Master Your Money
“You must gain control over your money, or the lack of money will forever control you.”
Learn the importance of budgeting and saving, the components of a budget, and steps to begin. Understand the difference between needs and wants and apply those to your own spending patterns. Learn how to create a financially sound plan for major purchases and how planning can make a difference in your lifestyle.
Homebuyer Education
“New home, new beginnings.”
Learn everything you need to know about the home-buying process; from whether or not buying a home is a good idea for you, finding savings to buy your dream home, to selecting a real estate professional, and obtaining a mortgage. Everything you need to know to make a more confident decision.
Looking for a different topic?
Let’s chat and work together to build one for your audience.
Here are a few other themes I focus on:
Banking Account Management
Credit
Loans & Debt
Jobs & Careers
Entrepreneurship & Side Hustles
If your audience’s needs are different than what is presented above, please contact me to customize a talk that is more suitable.
Who are my workshops for?
✔️ Women
✔️ High School Students
✔️College Students
✔️Adults
Here’s why I’m so passionate about serving these groups…
Women Statistics
Women earn $0.82 for every $1 earned by men (Institute for Women Policy Research [IWPR]).
Women have to work 42 more days annually to make as much money as men do (Pew Research Center).
Women hold nearly ⅔ of all student loan debt in the US, even though they only make up 56% of all enrolled students (AAUW).
40% of men have invested money in the stock market compared to just 22% of women (Credit Karma).
Youth Statistics
Almost 50% of millennials don’t believe they could come up with $2,000 within the next month if an emergency arose (PricewaterhouseCoopers [PwC]).
Nearly two-thirds of Americans (62%) are stressed about money (American Psychological Association).
Only 16% of Americans between ages 18-26 are very optimistic about their financial futures (Bank of America).
Higher Education Statistics
7.3% of 2018 college graduates had loans in default - before the pandemic (U.S. Department of Education).
81% of college educated millennials have at least 1 long standing debt (Pricewaterhouse Coopers [PwC]).
The average debt of students when they graduated from college rose from $18,550 to $28,950 (last reported), an increase of 56 percent (TICAS).
Adult Statistics
81% of Americans said they don’t know how much money they’ll need to fund their golden years (Bank of America Merrill Lynch).
46% of respondents said they either could not cover an emergency expense of $400 or would cover it by selling something or borrowing money (Consumer Financial Protection Bureau).
31% of adults report they have no savings and 29% report they are saving more than they were last year (Harris Poll).
