FINANCIAL LITERACY

Nathaniel Martinez Caleb Rendon Steven Silva

To plan for your secure financial future you need the confidence and know-how to practice smart money management.  That’s why in our Financial Fitness series, our lived experience staff share their first-hand knowledge about budgeting, smart saving habits and investment strategies. You’ll also be paired with a coach to support you on your journey to financial self-sufficiency.  

Financial Fitness 101

Financial Fitness 101 empowers transition age foster youth to begin the journey from surviving to thriving through learning foundational financial literacy concepts to establish healthy money habits.

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.

Financial Fitness 102

Financial Fitness 102 provides participants opportunities to further develop core financial literacy concepts while making progress towards financial security/stability by establishing a rainy day fund.

 How Does It Work?

Financial Fitness 102 is Just in Time’s intermediate financial literacy service delivered as a six-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 sixweek 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.

Financial Fitness 103

Financial Fitness 103 offers transition age foster youth opportunities to learn more advanced financial knowledge and skills while focusing on long term investing.

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.

LASTING IMPACT

NEWLY PUBLISHED BOOK

100K COMMUNITY

Reshae and Brittany at JIT Thanksgiving Dinner 2022

STAFF

Reshae and Brittany at JIT Thanksgiving Dinner 2022

ANNUAL REPORT

BOARD OF DIRECTORS

INVESTORS & SPONSORS

COMMUNITY COLLABORATIONS

Reshae and Brittany at JIT Thanksgiving Dinner 2022

FINANCIALS

Reshae and Brittany at JIT Thanksgiving Dinner 2022

FAQS

LASTING IMPACT

NEWLY PUBLISHED BOOK

100K COMMUNITY

Reshae and Brittany at JIT Thanksgiving Dinner 2022

STAFF

BOARD OF DIRECTORS

INVESTORS & SPONSORS

COMMUNITY COLLABORATIONS

Reshae and Brittany at JIT Thanksgiving Dinner 2022

FINANCIALS

Reshae and Brittany at JIT Thanksgiving Dinner 2022

ANNUAL REPORT

Reshae and Brittany at JIT Thanksgiving Dinner 2022

FAQS

LASTING IMPACT

NEWLY PUBLISHED BOOK

100K COMMUNITY

Reshae and Brittany at JIT Thanksgiving Dinner 2022

STAFF

BOARD OF DIRECTORS

INVESTORS & SPONSORS

COMMUNITY COLLABORATIONS

Reshae and Brittany at JIT Thanksgiving Dinner 2022

FINANCIALS

Reshae and Brittany at JIT Thanksgiving Dinner 2022

ANNUAL REPORT

Reshae and Brittany at JIT Thanksgiving Dinner 2022

FAQS

VIEW FAMILY
PHOTO ALBUMS

EMERGENCY NEEDS & STABLE HOUSING
RELIABLE TRANSPORTATION
ESSENTIAL EDUCATION
MEANINGFUL EMPLOYMENT
FINANCIAL LITERACY
HEALTHY PRACTICES & WELLBEING

Welcome to JIT!

We're excited to meet you! More than half our staff are former foster youth, many of us have participated in JIT’s services. We understand first-hand the challenges that each of us face on our path to self-sufficiency. And we are proof that having essential resources and consistent relationships with caring adults can have a lasting positive impact. Reliable, Responsive Real– JIT peers, coaches and staff share a common commitment to empowering you. Welcome to YOUR new community.

Leveraging Strengths for Professional Success

Michael loves people and networking, so when Pathways to Financial Power appeared on his radar, he was excited to join. “I’m a business and accounting major, so I know the math side, but Pathways...

Mastering Doubt

YOUTH STORIES
Entering foster care at the age of twelve, Ana experienced seven different placements in three years. “I always remember sitting in foster homes thinking, ‘When I get out of here and have control...

A Path To Wellness

In 2022, when Kory left Pittsburgh for San Diego, he was leaving behind more than his hometown; he was leaving behind a dark period of uncertainty and betting on a better life. Having survived...

Mind Over Money

When Monique joined Financial Fitness, she knew her relationship with money “wasn’t great.” Her bank account reflected this - bouncing up and down with her mood swings. “If I had a lump sum of cash...

Be Inspired & Stay Engaged!

Subscribe to our mailing list to receive our latest updates and powerful stories of resilience.

Thank you! You have successfully subscribed.

Be Inspired & Stay Engaged!

Subscribe to our mailing list to receive our latest updates and powerful stories of resilience.

Thank you! You have successfully subscribed.

Be Inspired & Stay Engaged!

 

Co-authored by Just in Time staff with lived experience, this book is sparking the nationwide conversation around a new, youth-led mental model for young people leaving foster care.

 

 

Thank you! You have successfully subscribed.