How Does It Work?

We understand that you are working hard to become financially independent to meet your needs and overcome moments of crisis. Financial Fitness 101 was created to support you in creating new healthy financial habits through a self-paced online curriculum.

Financial Fitness 101 participants will: 

1. 1.  Be paired with a coach to support you in creating a financial action plan  
2. 2. Practice making informed and healthy decisions with your money  
3. 3. Develop knowledge and skills for banking, budgeting, and saving consistently.

Requirements

To join Financial Fitness 101, you must:

• Be a former/current foster youth between the ages of 18-26

• Demonstrate productivity such as working and/or going to school, OR actively making strides toward doing so

• Meet and communicate regularly with a paired financial coach and our JIT Financial Fitness Coordinator

• Commit to saving on a monthly basis

How Do I Join?

Financial Fitness 101 is available throughout the year and is open to all Just in Time participants. If you are interested, you are welcome to reach out to us at any time!

Apply for Financial Fitness 101 in the JIT Application Hub here.

 How Does It Work?

Financial Fitness 102 is Just in Time’s intermediate financial literacy service delivered as an eight-week group workshop learning experience with individual weekly assignments. In FF 102, participants explore their values, goals, and relevant external influences and develop the core financial capability concepts of earning, spending, saving, investing, borrowing, and protecting their money. As participants add to their savings account, Just in Time will contribute a matched portion to achieve a meaningful rainy day fund.  Financial Fitness 102 Coaches attend workshops and individual meetings with participants to develop long lasting, meaningful relationships to facilitate a lifetime of financial wellbeing.  

Requirements

To join Financial Fitness 102, you must:

• Be a former/current foster youth between the ages of 18-26
• Have a checking and savings account with at least $100 saved
• Contribute funds into your savings account on a weekly basis throughout the cohort
• Commit to a eight–week cohort, attending one workshop per week along with completing concurrent activities   

How Do I Join?

Six-week Financial Fitness 102 cohorts occur throughout the year and are open to all JIT youth.

Apply for Financial Fitness 102 in the JIT Application Hub here.

How Does It Work?

Financial Fitness 103 offers monthly workshops on financial topics such as investing, retirement planning, loans, taxes, home ownership, entrepreneurship, and much more. The intention of Financial Fitness 103 is to have participants become knowledgeable investors by learning how to create a diversified, low cost investment portfolio that reflect the participants individual goals, risk tolerance, and time horizon. Each participant is paired with an advisor who will coach and guide them throughout the duration of the service. Additionally, eligible participants can receive matched savings of up to $4,500 for their investment accounts!

Requirements

To join Financial Fitness 103, you must:

• Be a transition age foster youth between 18 and 26 years old
• Have a confirmed source of income through working and/or going to school
• Have at least $250 in your savings account with proof of at least a three-month savings history
• Be dedicated to saving on a monthly basis and submit confirmation to the Financial Fitness Coordinator 
• Meet monthly with your assigned asset advisor and work on completing financial goals
• Commit to attending workshops regularly

How Do I Join?

Financial Fitness 103 is an ongoing service which youth are invited to join at any time throughout the year.

Apply for Financial Fitness 103 in the JIT Application Hub here.

Current Participants

Click here to access our Savings Match form.