Illinois Extension program prepares youths for the real world
Young people often don’t have a grasp of how much money it takes to cover necessities like food and bills. At a time when many Americans live paycheck to paycheck, money management strategies are more important than ever.
The 4-H Welcome to the Real World program, offered through the University of Illinois Extension 4-H team, opens young people’s eyes to these realities so they are not blindsided when they become adults. For years, this youth financial literacy program has taken participants through several activities and lessons on paying taxes, opening a savings account, insurance and making lifestyle choices. They also learn about salary ranges for various careers and the differences in expenses in rural versus urban areas.
Nearly 3,000 middle and high schoolers in 25 Illinois counties completed the program in 2023. Youth reported realizing just how expensive things like housing, children, pets and cars can be — and how necessities must be prioritized over fun items. They also said they feel more prepared for adulthood upon finishing the course.
“My view of life has changed because now I see how much money my parents pay,” one participant wrote.
Another 4-H-er said, “It made me realize how fast one month’s pay is gone and how many things you have no option but to pay, like student loan or automatic payments.”
Project supported by state appropriations and Smith-Lever (3b&c) funds.
