Financial Literacy

Amazing (And Free!) Financial Literacy Program in Tucson: 3rd Decade

A photo of Jonathan Neuser, Tucson Arizona Real Estate Agent at OMNI Homes International
Jonathan Neuser
Tucson Realtor, OMNI Homes International
June 4, 2024
10 min read
Financial Literacy Program in Tucson Arizona

Take Charge of Your Future: 3rd Decade is a Free Financial Literacy Program in Tucson!

My wife and I enrolled in 3rd Decade when we first moved to Tucson and it was one of the best financial decisions we made. It has helped us be more mindful about our finances and get us on track to retire comfortably and hopefully early! The staff and volunteers are incredibly smart and helped us understand concepts we knew very little about. I'm so grateful to this program and the staff, that I wanted to write a blog post about it so more people can learn about it and go through the program.

The third decade of life is between ages of 20-30 and is a period when adults face what feels like endless decision making and life transitions. It's during this decade where it's so important to start investing and preparing for the rest of your life. Unfortunately many young adults have not been given enough information about financial planning and aren't set-up for success. It's during this stage when it can feel impossible to keep up or get ahead. You're not alone. Many young adults struggle to navigate financial decisions, from managing debt to saving for retirement. Luckily there is a free program designed to equip you with the knowledge and confidence to take control of your financial future.

Look no further than 3rd Decade, a Tucson-based program offering a free financial literacy course specifically for young adults aged 18-35. This amazing program goes beyond basic budgeting. It combines financial education with personalized mentoring to empower you with the tools you need to succeed financially throughout your life.

Why Invest in Financial Literacy as a Young Adult?

The benefits of financial literacy extend far beyond just saving money. Here's why taking charge of your finances early on is crucial:

  • Peace of Mind: Financial literacy reduces stress and anxiety around money. When you understand your finances, you can make informed decisions and feel confident about your future.
  • Debt Management:  3rd Decade tackles the growing issue of student loan debt and equips you with strategies to manage it effectively.
  • Building Wealth: Time is your greatest asset when it comes to building wealth. By learning about saving and investing early on, you can leverage the power of compounding returns.

Compounding Returns: Your Money Working for You

Imagine earning interest on your interest. That's the magic of compounding returns. The earlier you start saving and investing, the more time your money has to grow exponentially. Here's a simplified example:

Let's say you start saving $100 a month at the age of 22 with an average annual return of 7%. By the time you retire at 67, you'll have accumulated a whopping $881,243. That's the power of compound interest! The 3rd Decade Program will help you get started on maximizing your returns and setting yourself up for a successful retirement.

3rd Decade: Your Pathway to Financial Freedom

The 3rd Decade program offers a comprehensive curriculum that covers:

  • Budgeting and managing expenses
  • Understanding debt and creating a repayment plan
  • Building an emergency savings fund
  • Investing basics and retirement planning
  • Goal setting and achieving financial independence

Here's what makes 3rd Decade unique:

  • Free Program: This program is open to young adults with income thresholds, making financial education accessible to everyone.
  • Personalized Mentoring: You'll be paired with a dedicated mentor who will provide guidance and answer your specific financial questions.
  • Matching Contribution: Upon successful completion, you can earn a $250 matching contribution to your Roth IRA, jumpstarting your retirement savings.

Enroll Today! Take control of your financial future and enroll in 3rd Decade's program today. Visit their website to learn more and apply.

A photo of Jonathan Neuser, Tucson Arizona Real Estate Agent at OMNI Homes International
Jonathan Neuser
Jonathan lives in Tucson with his wife, dog, and cat. He's a full-time real estate agent at OMNI Homes International where he enjoys showing people why Tucson is such a great place to call home.

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