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The Financial Empowerment Handbook is a comprehensive resource for young people seeking to develop healthy, lifelong financial habits in order to be successful with money and personal finances. Targeting the 16-26 year old age bracket, the book expands upon basic financial literacy concepts and empowers readers to use such information for one’s benefit, providing a blueprint for long-term success and financially secure lives. By providing practical guidance on saving, investing, responsible spending, budgeting and more, this book has the potential to change behaviors and help our youth start early on the path to prosperity.

Content is structured in likely chronological importance to a young reader:

• Starts with Earning Money, Entrepreneurship, Post-Secondary Education
• Continues with Saving, Spending, Debt & Credit, and Big Buys
• And then Investing, Retirement and Protecting Yourself
• And finally bringing it all together with Personal Financial Goals

Self-Assessments, Chapter Recaps, and Checkpoints prompt the reader to consider their own financial literacy and stay engaged with the content.

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“This book answers the biggest question teens and young adults ask about personal finance: why should I care? And it answers the question in a way that impacts them today!” – Bobbi Olson, budgeting coach, podcast host

“This handbook's mix of facts, stories, and actionable advice makes it a go-to resource for anyone navigating personal finance.” – Sam Neumann, Financial Education Specialist

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Content exceeds the Texas Education Agency’s (TEA) requirements for a one-half credit course on Personal Financial Literacy & Economics as listed in the Texas Essential Knowledge & Skills (TEKS) rule 113.76.