Financial Empowerment
Stability Starts here
Money affects everything:
Your housing, your options, your stress level, your ability to say yes (or no). We’re here to help.
This hub is built for young people who want practical tools that actually work in real life:
Tips and webinars on Budgeting & Saving, Debt & Credit, Careers, Increasing Income, and Housing.
And if you want something more personalized, meet WorthIt—an interactive tool that tailors guidance to your goals, your situation, and your next move, so you can build stability on your terms.
WorthIt
Tailored Financial Empowerment Platform
WorthIt is a free, interactive money tool built for young people—especially youth navigating housing instability. It meets you where you are and helps you make real-life money moves, step by step: opening a bank account, lining up income with your needs, building emergency savings, boosting your credit, getting insured, and planning what’s next.
As you go, you’ll earn badges, set goals, and unlock personalized reports with recommendations that actually fit your situation—plus resources you can use right away. WorthIt is here to make money stuff less confusing, less stressful, and way less taboo—so you can build confidence and stability on your terms.
Money Skills for Real Life
Your finances can feel overwhelming. These resources—shared by young people, for young people—break the information up into pieces you can actually use. We’ll also host live sessions on some of these topics to go deeper and answer questions.
MONEY SKILL #1
Budgeting & Saving
Budgeting isn’t about being perfect—it’s about knowing what’s coming in, what’s going out, and making your money work for you. We cover how to track income and spending, pull your real bills (amounts + due dates), align due dates with payday, set savings goals, start an emergency fund, and get answers directly from bank tellers or credit unions.
Tips For Success
Webinar: A peer-led discussion that's all about YOU and YOUR money! We’ll help you finally master your finances. Let's make your money WORTH IT!
MONEY SKILL #2
Debt & Credit
Debt can feel intimidating, but getting your debt under control is really about a few rules you can learn and use to your advantage. This section covers how to pull your free credit report (and dispute errors), keep utilization low, pay bills and cards on time (and in full when possible), avoid predatory payday loans, and what to do if you miss a payment—plus simple ways to live beneath your means without feeling deprived.
Tips For Success
MONEY SKILL #3
Career
Finding the right job is part research, part preparation, and part showing up like you mean it. These tips cover how to explore careers that fit you (including researching and shadowing people in the role), tailor your resume using the job description, prep for interviews with real examples of your strengths and learning curves, and follow up with a thank-you note. We’ll also focus on the skills that often matter most at work—soft skills like communication, teamwork, problem-solving, adaptability, and emotional intelligence.
Tips For Success
MONEY SKILL #4
Increasing Income
If your budget is tight because your income is tight, this section is for you. We cover side hustles and fair pay, negotiating raises (with a running list of wins), using every resource available, and smart next steps like high-yield savings and beginner-friendly investing—especially getting any 401(k) match and exploring a Roth IRA.
Tips For Success
MONEY SKILL #5
Housing
Housing is more than rent—it’s rules, fees, and protections you should know before you sign. We’ll cover tenant rights, how to read a lease (utilities, pest control, late/legal fees, pet costs), budgeting so housing stays affordable (aim under 50% and work toward 30%), and why renters insurance is a low-cost way to protect your stuff.
Tips For Success
MONEY SKILL #6
Reducing Expenses
Reducing expenses isn’t about depriving yourself—it’s about making everyday choices that stretch your money further and give you more control. We cover practical ways to cut costs, like reviewing subscriptions, using per-unit pricing to shop smarter, buying second-hand, and saving on eating out. We’ll also share ways to make the most of free or low-cost options, and build confidence with day-to-day money decisions.
Tips For Success
