Emerging Adults is one of seven cultivation communities targeted by Kentucky State Treasurer Mark Metcalf through the Financial Empowerment Coalition and Database. The following resources have been gathered from non-profit, business, and government entities focused on improving the financial livelihood of young adults who have completed high school and started their careers or gone on to pursue postsecondary education. This community is focused on financial empowerment related to student loans, home buying, and starting a family.
Community Resources
Apprisen
Apprisen seeks to develop financial solutions for all stages of an individual's life. Apprisen's services help people focus on the skills and concepts that work together to help create a strong financial life.
Cards, Cars, and Currency
The Federal Reserve Bank of St. Louis's Cards, Cars, and Currency is a set of personal finance programs that encourages participants to learn about three areas of personal finance: credit cards, debit cards, and purchasing a car.
Cash Course
The National Endowment for Financial Education's Cash Course provides free online financial education courses through instructor assignments or self-study. It has customizable financial tools such as worksheets, a Budget Wizard, quizzes, and calculators.
The Continuing Feducation Video Series
The Federal Reserve Bank of St. Louis's Continuing Feducation Video Series offers animated videos on a variety of economics and personal finance content.
Down Payment Closing Cost Assistance
The Kentucky Housing Corporation provides information about several loan programs to assist buyers with closing costs, down payments, and pre-paid expenses that occur when buying a home.
Building Wealth Online Guide
This Dallas Fed financial education resource provides basic guidance to individuals and families who wish to develop a plan for building personal wealth.
eHome America
eHome America provides web-based education programs for prospective first-time homebuyers. It includes courses on home buying and financial management.
Family Money Skills: Basic Tools for Financial Success
The National Endowment for Financial Education provides tools to help families openly discuss money matters and gain the critical life skills needed to make smart financial choices.
Family Self-Sufficiency Program
The Kentucky Housing Corporation's Self-Sufficiency Program (FSS) is a voluntary program for people who are receiving housing assistance through the Section 8 Housing Choice Voucher Program administered by the Kentucky Housing Corporation. Participants work with case managers who teach employment skills, money management tips, and homeownership education.
Finance 101
The Federal Deposit Insurance Corporation's Consumer News presents "Finance 101." The resource discusses financial topics relevant to college students.
Financial Literacy Efforts at Kentucky's Public Colleges and Universities
The Council on Postsecondary Education has released a report written in collaboration with Kentucky's public colleges and universities that highlights strategies taking place to educate students about college cost, student aid, responsible borrowing, and overall financial wellness.
Financial Resource Center
The Credit Union National Association provides resources including articles, videos, recordings, interactive quizzes and more to engage and encourage all walks of life to improve their financial wellness.
FinEdLink
If you work with youth (grade Kindergarten to young adults) and are interested in having a banker-led financial education presentation, this program from the American Bankers Association Foundation is for you.
Home Buyer Tax Credit
If you plan on buying a home, you may want to consider taking advantage of the Kentucky Housing Corporation's Home Buyer Tax Credit.
Housing Counseling and Education
The Kentucky Housing Corporation partners with non-profit housing counseling agencies across the state to provide housing counseling and education services. Counseling topics include Pre-Purchase/Home Buying, Resolving or Preventing Mortgage Delinquency or Default, Information on Locating, Securing, or Maintaining Residence in Rental Housing, and more.
Invest in What's Next: Life After High School
This Interactive mini-course provides information and tools to help individuals answer questions about financial life after high school. The lessons help individuals explore options, budgets, and to evaluate the plan that's right for them.
Kentucky Homeownership Protection Center
The Kentucky Homeownership Protection Center was established by the 2008 Kentucky General Assembly to address the foreclosure crisis in Kentucky. It is a statewide assistance program that provides free financial counseling. Some Kentuckians may also be eligible for free legal advice through the Protection Center's partnership with Legal Aid.
Mint
Intuit's Mint is a free online resource that brings together users' balances, bills, credit scores and more to help users create budgets, track investments, discover new ways to save, and more.
Money Management: It's Money, Baby
The Kentucky Higher Education Assistance Authority's online version of "It's Money, Baby" videos show students how to manage their paychecks, the difference between debit and credit cards, how to avoid identity theft, and more.
Money Smart
The FDIC's Money Smart financial education program can help people enhance their financial skills and create positive banking relationships.
Mortgage Resources for Consumers
The Federal Reserve provides resources to consumers to assist them in learning more about home mortgages.
Personal Finance 101 Conversations
The Federal Reserve Bank of St. Louis's Personal Finance 101 Conversations is a series of short videos related to timely financial topics for students and consumers in their teens and 20s.
Tools and Resources for Homebuyers
The Consumer Financial Protection Bureau has compiled tools and resources to help prospective homebuyers better understand and take control of the home buying process.
Tools and Resources on Paying for College
The Consumer Financial Protection Bureau has compiled tools and resources to help students and former students to make smart decisions about financing their college education.
Tools for Enhancing The Stock Market Game™: Invest it Forward™This video series was created by the Federal Reserve Bank of St. Louis in cooperation with the SIFMA Foundation. The videos are designed to help students better understand stocks, bonds, primary and secondary capital markets, saving and investing, the role of benefits of the capital markets and more.
Financial Empowerment Coalition Contacts
Kim Dolan, Outreach Director
Kentucky Higher Education Assistance Authority
kdolan@kheaa.com
Kayla Godbey, Family and Consumer Sciences Program Consultant
Kentucky Department of Education
kayla.godbey@education.ky.gov
Dr. Cynthia Harter, Associate Professor of Economics and Director of EKU Center for Economic Education
Eastern Kentucky University
cynthia.harter@eku.edu
Jennifer Harris, Vice President of Programs
Junior Achievement Of Kentuckiana
jharris@jaky.org
Betty J. Montgomery, Business and Marketing Program Consultant
Kentucky Department of Education
betty.montgomery@education.ky.gov
Lee Nimocks, Vice President for Policy, Planning, and External Relations
Council on Postsecondary Education
lee.nimocks@ky.gov
Laura Parrish, Vice President of Association Services
Kentucky Credit Union League
lparrish@kycul.org
Dr. Gary Stratton, Associate Professor of Economics and Finance
Kentucky State University
gary.stratton@kysu.edu
Dr. Erin Yetter, Senior Economic Education Specialist
Federal Reserve Bank of St. Louis-Louisville Branch
erin.a.yetter@stls.frb.org
502-568-9257
502-568-9247