Your financial choices have consequences.  Will you choose wisely?

2013 EIFLE Award Book of the Year
Institute for Financial Literacy

2013 USA Best Book Awards Finalist
Young Adult Category (Non-Fiction) 
Business Category (Personal Finance)


12/15 - Future Business Leaders of America


County Treasurers Association of PA


PSATC Conference

Crossroads Foundation


GFOA Webcast

Westminster University


University of Minnesota

NOVA Chemicals


Hempfield H.S.

Arizona State (TIAA-CREF)

Harrisburg University

Westminster College

WESA Pittsburgh

Seton LaSalle H.S.

Girls Hope Inc.

Bank of Hawaii

West Allegheny HS

Montana FRB

Ally Bank

Carroll College

Federal Student Aid

PA. Money Matters

Akamai Foundation

Robert Morris University

Duquesne University 

Butler County CC 

Western PA College Success


Ohio University

NHS Human Services

Allegheny College 

Winchester-Thurston School

Riverview High School 

Bethel Park High School 

Fox Chapel Area H.S. 

Junior Achievement

Penn Comm. & Business School

Hershey HIgh School

Greater Johnstown Area HS

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Cardinal Wuerl North Catholic H.S.   November 19, 2015
Citizens School of Nursing   October 12, 2015
University of Minnesota   October 12, 2015
2015 Student Panel on Financial Literacy 
Arizona State University Financial Education Day 
A special thank to TIAA-CREF and Arizona State University for the opportunity to present as the keynote speaker at the University's Financial Education Day. It was a pleasure and privilege to address the faculty and staff at ASU and to meet with so many wonderful people following the presentation.

2014 Student Panel on Financial Literacy
Money 101 - Taking Control

By Tim Grant / Pittsburgh Post-Gazette

While many teenagers may find it hard to imagine retirement, Fox Chapel High School senior Pat Denny took a close look at the math and decided to open a Roth IRA after reading “The Missing Semester,” a book for young adults who did not receive financial literacy education in school.

“It sparked an interest in my own finances and a discussion with my parents about how I could be more financially responsible,” said the 18-year-old. “It resulted in me opening a Roth IRA when I realized the difference in what I could earn beginning at age 18 instead of 25.”

He opened the account with $1,000 saved from coaching youth basketball and doing a work-study program at his high school.

Pat was among dozens of college and high school students who attended a panel discussion Friday at the University of Pittsburgh on how their eyes were opened to the dangers of credit card debt, the power of compound interest, and the rewards of delayed gratification thanks to the financial literacy initiative started by Pitt business professor Jay Sukits and Gene Natali Jr., author of “The Missing Semester.”

“Today we are trying to use peer-to-peer influence in a positive way,” Mr. Natali said. “If the students on this panel can take control of their financial lives, so can students across the country.”

The initiative has played a role in improving the landscape for financial literacy education throughout Allegheny County.

Riverview High School, for instance, has made its one-year personal finance course a graduation requirement. Also, a personal finance course started at Allegheny College as a result of the initiative has grown into the most demanded course on campus, and is now made available to all students versus just business majors.

The Vanguard Group, based in Wayne, Delaware County, has partnered with the financial literacy initiative by providing a free program that guides teachers in instructing their students on financial responsibility. It is offered in close to 2,000 schools across the country.

“What we love about our program is that teachers who are insecure about teaching financial literacy find our course to be user-friendly and easy to implement,” said Nate Prosser, a Vanguard representative who manages that program and co-moderated Friday’s event at Pitt.

Melissa Philson, a psychology instructor at Butler County Community College, said she began offering financial literacy education to students in her honors section after Mr. Natali spoke to her class two years ago.

“It’s a personal thing I also noticed I was missing from my college experience,” she said. “I feel every student can use it.”

Listen to Gene's recent interview on NPR
Gene poses with members of the board for the Money Smart Week Indiana statewide kickoff event following his key note address.   Thank you to all for the opportunity to kickoff such an exciting week!  Keep up the great work Indiana!

Learn more about Money Smart Week: