Finance
Empowering Youth with Essential Financial Knowledge
2024-05-28

In a proactive effort to equip young learners with critical money management skills, Western Hills High School hosted an engaging financial literacy event for seventh-grade students. Spearheaded by Huntington Bank and supported by United Way of Greater Cincinnati and Junior Achievement, the program brought together over 240 volunteers, including banker Steve Mullinger, to educate nearly 2,000 eighth graders across the district. Through interactive workshops, participants explored key topics such as budgeting, credit awareness, and investment basics. The initiative, now in its seventh year, emphasizes the importance of early financial education, especially during the formative middle school years when students begin considering future career paths. By fostering open discussions about money, the program aims to build a generation capable of making informed economic decisions and avoiding common financial missteps later in life.

Interactive Workshops Spark Financial Awareness Among Students

In the bustling halls of Western Hills High School this fall, a group of enthusiastic seventh graders gathered for an enlightening session on personal finance. Led by experienced financial professionals from Huntington Bank, including Regional President Steve Mullinger, the event unfolded as part of a broader citywide initiative. Over the course of several days, a team of 240 dedicated volunteers—34 of whom represented Huntington—delivered hands-on lessons to nearly 2,000 eighth graders throughout Cincinnati Public Schools. Under the collaborative umbrella of the seventh annual Unite for Teen Financial Literacy event, organized by United Way of Greater Cincinnati and Junior Achievement, these sessions encouraged open dialogue around budgeting, credit scores, and the fundamentals of investing. Senior Huntington executives Diona Sherrill and Scott Taylor further enriched the experience by guiding students through real-world financial scenarios, helping them distinguish between essential needs and discretionary wants.

Shaping Responsible Financial Habits from an Early Age

As a journalist observing the growing emphasis on youth financial education, I find this initiative both timely and transformative. By introducing core financial concepts during the middle school years, educators and banking professionals are planting seeds of awareness that can blossom into lifelong fiscal responsibility. These early interventions not only demystify complex financial systems but also empower students to approach money matters with confidence and clarity. Programs like this serve as a blueprint for how communities can unite to prepare younger generations for the economic realities they will inevitably face, ultimately shaping a more financially literate and resilient society.

Hedgie's Financial Journey Captivates Young Minds at Cochran School
2024-05-28

At Cochran Secondary School in Williamsport, a lively group of second and third graders gathered with excitement to meet Hedgie, a charming seven-year-old rabbit who has become the symbol of financial literacy through his latest adventure. Horizon Federal Credit Union introduced its newly published book, "Hedgie Buys a Bike," which follows the lovable character as he learns how to earn, save, and wisely spend money to achieve his dream of owning a bike. The beautifully illustrated 40-page story was created by Horizon staff and serves as an engaging educational resource for children. During the event, students listened to a lively reading by Horizon’s Training Professional, Paige McHenry, and each received their own copy of the book. The initiative is part of Horizon’s broader commitment to financial education, reinforcing the importance of early financial awareness in shaping a secure future.

A New Chapter in Financial Literacy for Local Students

In the vibrant setting of Cochran Secondary School during the crisp autumn season, over 300 enthusiastic young learners welcomed Hedgie, the furry face of fiscal responsibility. The occasion marked the debut of "Hedgie Buys a Bike," a creatively crafted tale developed by Horizon Federal Credit Union to introduce basic economic principles to children in an engaging format. The story follows Hedgie on his journey to purchase a bicycle, teaching lessons about budgeting, saving, and making thoughtful spending decisions. The book, fully illustrated and written in-house by Horizon employees, was presented to students through an interactive storytelling session led by Paige McHenry. Michael Patterson, Horizon’s Chief Branding Officer, expressed that the goal was to create a relatable narrative that introduces kids to smart money habits early in life. Second-grade teacher Kristiann McQuown praised the program, noting how it sparked curiosity and understanding among her pupils about personal finance. This initiative aligns with Horizon’s mission to empower communities through knowledge and responsible financial practices.

As a community-focused institution serving over 14,000 members across Pennsylvania, Horizon Federal Credit Union continues to lead in promoting financial education. Through imaginative tools like Hedgie’s story, they’re planting the seeds of fiscal awareness in the next generation. This creative approach not only makes learning enjoyable but also lays the foundation for lifelong financial confidence. It’s a reminder that even the youngest members of society can begin to grasp the value of smart money management—and perhaps one day, more schools will follow suit in integrating such playful yet powerful lessons into their curriculum.

See More
Empowering Communities: How Financial Literacy Is Closing the Wealth Gap
2024-05-28
Ashley Fox, once a high-performing Wall Street analyst, has pivoted her career toward a mission far beyond profit margins—financial inclusion. With the launch of Empify, she’s reshaping how everyday Americans understand and engage with personal finance. Her initiative targets the stark economic divides that persist across demographics, offering tools and education to equip individuals with the knowledge they need to build lasting wealth. By combining real-world expertise with accessible learning platforms, Fox is not just changing lives—she’s altering the trajectory of financial independence for entire communities.

Unlocking Financial Freedom Through Education And Access

The Origins Of A Financial Revolution

Ashley Fox’s journey from Wall Street to the forefront of financial literacy wasn’t a sudden shift—it was an awakening. While working at JP Morgan, she witnessed firsthand how the affluent navigated investment opportunities with ease while millions remained financially stranded. This disparity became the catalyst for Empify, a platform designed to bring clarity and empowerment to those often excluded from the financial mainstream.The foundation of Empify rests on a simple but powerful belief: everyone deserves access to the same financial tools and insights typically reserved for the elite. Unlike traditional banking or investment firms that cater to high-net-worth clients, Empify removes complexity and jargon, replacing them with intuitive, user-friendly educational modules. From budgeting basics to advanced investing strategies, the program is built to accommodate all levels of financial understanding, ensuring no one is left behind in the pursuit of economic self-sufficiency.

Innovative Tools For Real-World Application

One of the standout features of Empify is its emphasis on experiential learning. The platform integrates interactive simulations like Paper Trading—a risk-free environment where users can experiment with stock market investments without putting real money on the line. This hands-on approach demystifies investing and builds confidence, particularly among younger audiences who may feel intimidated by traditional financial systems.In addition to Paper Trading, Empify leverages Fractional Shares, allowing users to invest in high-value stocks with minimal capital. This innovation breaks down one of the most significant barriers to entry in the world of investing—the perception that only the wealthy can afford to participate. By enabling micro-investments, Empify democratizes access to the stock market and fosters a culture of long-term financial planning. These tools aren’t just about engagement; they’re about creating tangible pathways to wealth accumulation for people from all walks of life.

Reaching Across Generations And Geographies

Empify’s influence spans 22 states and continues to grow, reaching students, educators, and professionals alike. In classrooms, the program introduces young learners to fundamental financial concepts—budgeting, saving, and smart spending habits—that set the stage for lifelong fiscal responsibility. Beyond schools, the initiative extends into community centers, libraries, and online forums, ensuring that even adults who missed out on early financial education have the opportunity to catch up.What makes this outreach especially impactful is its adaptability. Whether it's a teenager exploring investment options for the first time or a middle-aged parent seeking to manage debt more effectively, Empify tailors its content delivery to meet diverse needs. This flexibility ensures that the platform remains relevant and engaging, fostering a sense of ownership over personal finances that many have never experienced before.

The Digital Hub For Wealth Creation

At the heart of Empify lies the Wealth Builder Community, a digital ecosystem designed to function much like a streaming service but focused exclusively on financial education. Users can navigate through curated content, including expert-led videos, case studies, and live Q&A sessions—all structured to support self-paced learning. This model mirrors the convenience of platforms like Netflix while delivering deeply informative material tailored to different financial goals.Unlike generic financial advice found online, the Wealth Builder Community emphasizes actionable insights backed by data and real-life success stories. Members gain access to personalized progress tracking, interactive quizzes, and milestone-based rewards that reinforce learning and encourage continued growth. It’s more than just a learning tool; it’s a motivational engine that keeps users engaged and accountable throughout their financial journeys.

Building A Legacy Of Economic Empowerment

Beyond immediate benefits, Empify is cultivating a broader cultural shift—one where financial literacy is viewed as essential as reading or math. Ashley Fox’s vision goes beyond individual empowerment; it’s about equipping future generations with the tools needed to thrive in an increasingly complex economy. By embedding financial education into everyday life, Empify is laying the groundwork for a more equitable financial landscape where opportunity isn’t dictated by zip code or income level.Through strategic partnerships with institutions like JP Morgan, Empify continues to expand its reach and refine its offerings. These collaborations ensure that the platform remains current with evolving financial trends and regulatory changes, maintaining its relevance in a rapidly shifting marketplace. As more organizations recognize the value of financial inclusion, initiatives like Empify serve as blueprints for scalable, sustainable change.
See More