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572 Colorado 133
Carbondale, CO, 81623
United States


Personal Financial Literacy

“Financial literacy calls on several skills: ethics, consequences of your actions, and responsibility. Youthentity’s financial knowledge workshops are not only a course in finances - they’re a course in life.” - Paul Hilts, Financial Literacy Program Manager


I am financial knowledge (5th and 8th grade)

Since 2010, Youthentity has taught personal financial literacy workshops that help students build the skills needed to make responsible choices when it comes to money and careers later in life through a Youthentity designed curriculum.  The program is targeted to reach 5th and 8th graders at various schools within the Western Slope of Colorado.  

I am financial knowledge Level I (5th grade students) and Level II (8th grade students) are based on national standards from Jump$tart® about money and banking.  

Program Description

The "I am financial knowledge." curriculum was developed by Youthentity Founder Kirsten McDaniel and emphasizes personal money management.  The program teaches students about:

  • Planning and money management

  • Credit and debt

  • Risk management and insurance

  • Saving and investing, using the 10-10-10-70 principle

  • Financial responsibility and decision making

  • Income and careers

Learning is not limited to the classroom!  Every student receives a workbook that allows students to keep notes and complete exercises so that they can share the knowledge they learn with their families.  Every student completes a final test where they are paid $.50 for each question they answer correctly, up to$15 each. Students take home a physical paycheck from YouthEntity along with a parent letter with information about the program and how to deposit the check.  If students choose to open a special YouthEntity Alpine Bank student account at any Alpine Bank branch, they may earn an extra 1% interest in their savings up to balances of $1,000.

Participation is easy for teachers.  Youthentity Program Managers work with your 5th or 8th grade teacher teams to determine the best dates to offer the workshop and bring in a team of trained facilitators to teach the program.  This program is completely free of charge to all students and teachers.  


If your 5th or 8th grade teacher team is interested in participating, please contact Paul Hilts, "I am financial knowledge." Program Manager, Youthentity, by e-mail at or call our office line at (970) 963-4055.

Banking on Your Future (9th through 12th Grade)

Starting in 2015, Youthentity partnered with Alpine Bank to offer a personal financial literacy workshop using a digital platform powered by EverFi that targets High School aged students at schools within the Western Slope of Colorado.

Together with Alpine Bank, Youthentity sponsors Banking on Your Future workshops for high school students building upon our I am financial knowledge programs for 5th and 8th graders. 

Program Description

The Banking On Your Future program uses a curriculum powered by EverFi, a new-media learning platform that uses the latest technology – video, animations, 3-D gaming, avatars, and social networking – to bring complex financial concepts to life for today’s digital generation.  The program teaches students 10 modules about:

  • Savings

  • Banking

  • Payment types, interest rates and credit cards

  • Credit scores

  • Financing higher education, including FAFSA forms

  • Renting vs. owning

  • Insurance and taxes

  • Consumer fraud

  • Investing

The program tracks individual student progress and knowledge gain and provides students who successfully complete the course with certification in financial literacy, which can be a powerful tool for a job application, college search and internships.

Every student who completes the course also takes a final test provided by Youthentity for the chance to earn $.50 for every correct answer, up to $17.50 each.  Youthentity mails participating teachers the final tests and answer sheets and then processes and sends checks to students.  


If your high school classroom is interested in participating in the Banking on Your Future program, please contact Kirsten McDaniel, Executive Director/Banking on Your Future Program Manager, Youthentity, by e-mail at or by phone at (970) 963-4055.