Bracken County CES

County Emphasis:

Building financial literacy and resource management skills

Concentration 1:

Work and Life Skill Development

Concentration 2:

Financial Security and Economic Well-Being

Concentration 3:

Family and Youth Development

Concentration 4:

Connected & Resilient Communities

Situation:

Kentucky household income statistics are concerning, with the median household income in Kentucky on a downward trend (i.e., approximately $55,100, which is 74% of the U.S. median income). Most alarming, it is estimated that nearly 62% of Kentucky households do not generate sufficient income to meet living wage standards given the state’s average cost of living. The Kentucky Center for Business and Economic Research (2024) projects that, “a key for Kentucky’s future economic growth is to identify and successfully implement programs that increase the employment-population ratio, particularly for working-age adults.” The University of Kentucky Cooperative Extension Service (CES) is committed to improving the work and life skill development of adults across the Commonwealth by offering programming designed to increase the human capital of constituents. This includes providing education and training on topics such as workforce preparation, job readiness, financial literacy, soft skills, and professionalism, among others.

In a 2023 University of Kentucky Cooperative Extension Community Needs Assessment, with nearly 28,000 responses from across the state, Building Employee Soft Skills (e.g., communication, productivity, and teamwork skills) and Building Life Skills of Community Members were among the top ten Individual and Family Development Needs reported by Kentuckians.

Youth Focus

America’s future hinges on a prepared workforce and engaged communities collaborating to tackle society’s most pressing challenges. As of 2024, there are 2,465,949 job openings in Kentucky and nationwide there are 10 million unfilled jobs. Fasted growing jobs are in the fields of vocational education and higher education teachers, agriculture professionals, and digitally enabled roles: ecommerce specialists, digital transformation specialists, and digital marketing professionals (World Economic Forum, 2023). 85% of the jobs that will exist in 2030 haven’t been invented yet (Dell Technologies, 2019). 77% of employers say focus less on traditional school subjects, more on real-world skills (Kauffman Foundation, 2021). Skills like analytical thinking, creative thinking, resilience, flexibility, adaptability are key (World Economic Forum, 2023). According to the National 4-H Index Study 2024, 80% explored career options, 50% received guidance for college decisions, and 95% reported 4-H helped them identify things they were good at. To ensure a sustainable society, it is crucial that our youth are equipped to fill these positions. The University of Kentucky Cooperative Extension System Community Needs Assessment (2023) has identified key priority issues related to life skill development for young people. These priorities include youth life skill training opportunities, youth workforce readiness, and maximizing youth voice in matters that directly impact them. Empowering our youth to actively participate in addressing societal issues is essential for a thriving future.

A disproportionate number of Kentuckians live in economically distressed communities (39% of Kentuckians, compared to 15% nationally). Further, most Kentucky households are concerned with financially sustaining a quality of life that allows them to survive and thrive in an economically challenged society. From housing to grocery expenses, the cost of living continues to rise, and households are ill-equipped to adjust. Securing financial stability is vital for the well-being of state constituents. The University of Kentucky Cooperative Extension Service (CES) is committed to improving the financial security and economic well-being of families across the Commonwealth. Related CES programming is designed to help Kentuckians become more economically resilient by promoting financial literacy education, comprehensive family resource management skills, and small business engagement and support.

In a 2023 University of Kentucky Cooperative Extension Community Needs Assessment, with nearly 28,000 responses from across the state, Building Financial Literacy and/or Resource Management Skills was among the top 10 state-identified priority issues reported by Kentuckians, and Efforts that Support Local & Small businesses was among the top 10 Community & Economic Development needs in the state.

Youth Focus

In Kentucky, economic uncertainty due to job market fluctuations and agricultural shifts impacts youth through unstable family environments and limited resources. Hospitality, retail, and tourism generated over $10 billion in 2023, with job growth in culinary arts, tourism, and hobby industries. The unemployment rate increased by 4.7% from July 2023 to July 2024. According to the Kentucky Cooperative Extension System Community Needs Assessment (2023), priorities include building financial literacy and resource management skills, youth life skill training (e.g., leadership and communication), strengthening youth workforce readiness (e.g., entrepreneurship, business development), and engaging diverse and non-traditional youth audiences. America’s future relies on a ready workforce and engaged communities to tackle major challenges. Kentucky 4-H develops youth potential for lifelong success through essential skills in communication, leadership, and civic engagement. 80% of 4-Hers reported that 4-H helped them explore career options and 95% reported 4-H helped them identify things they were good at, and 50% reported 4-H helped them with college decision-making. 4-H programs equip individuals with the knowledge, skills, and resources needed to thrive in their personal lives, family lives, and communities.

Family and Youth Development programming is essential for fostering healthy, supportive environments where both children and adults can thrive. By offering structured activities and educational workshops, UK Extension aims to build strong family bonds equipping young people and older adults with critical life skills. Guided by the Cooperative Extension’s National Framework for Health Equity and Well-being, our programming also addresses social and emotional needs throughout the lifespan, promoting resilience and positive relationships which are two of the key concerns identified in the top 15 needs of Kentucky’s statewide needs assessment. Investing in such programs can prevent future challenges by supporting early intervention and personal growth. Ultimately, these initiatives contribute to the well-being of individuals and the stability of communities, making them a vital component of social development. 

Kentucky’s communities face unique challenges that require enhancing connectivity and resilience through digital access, social cohesion, and well-designed public spaces. Broadband access remains critical, particularly in rural areas where digital connectivity gaps hinder economic and educational opportunities. The 2023 Community Needs Assessment identified improved broadband and digital literacy as top priorities for enhancing community resilience.

Extension’s connectivity and resilience efforts focus on supporting local economies and helping communities recover from economic shifts and natural disasters (CEDIK, 2024). By promoting digital literacy, educating on safe and vibrant outdoor spaces, and implementing place-based disaster preparedness programs, Extension strengthens community connections and economic sustainability. These initiatives benefit residents, businesses, and local governments, fostering stronger, more resilient communities equipped to face future challenges.

Youth Focus

In today’s rapidly evolving world, youth are and can play a pivotal role in shaping the future of connected and resilient communities. Young people are leveraging technology and social networks to foster strong, supportive relationships that transcend geographical boundaries. They are actively engaged in community-building activities, promoting access to opportunity, and driving change. By participating in local and global initiatives, they are not only enhancing their own resilience but also contributing to the overall strength and adaptability of their communities. Their innovative approaches to problem-solving and their commitment to sustainability are essential in addressing the complex challenges of the 21st century. As they continue to collaborate and share knowledge, youth are laying the foundation for a more connected and resilient world. 4-H is committed to providing the resources necessary to promote youth connection in their communities. Thriving youth are healthy, productive, and engaged (Arnold, 2024). Communities that promote the indicators of youth thriving will have more connected, capable, and committed citizens that can critically think through addressing the needs and priorities of their community.

County Situation:

Building financial literacy and resource management skills is a critical need in Bracken County, where many individuals and families face economic challenges and limited access to financial education. Equipping residents—especially youth and young adults—with practical money management skills can help break cycles of poverty, support informed decision-making, and foster greater financial independence across the lifespan.

Community Priorities and Assessment Findings

The 2023 Bracken County Cooperative Extension Community Assessment identified “teaching life skills such as money management” and “supporting stronger family financial wellness” among the county’s top priorities. Local input indicates a strong community interest in programs that offer practical, real-life financial education for all ages.

Key Data from Kentucky by the Numbers

Poverty Rate: Approximately 20.4% of Bracken County residents live in poverty, which is significantly higher than the state average of 16.4%.

Median Household Income: Bracken County's median household income is approximately $51,000, which is below the national median, limiting opportunities for savings, investment, and emergency preparedness.

Education and Employment: With only 17% of adults holding a bachelor’s degree or higher, and many residents employed in lower-wage or seasonal jobs, financial security remains an ongoing challenge.

Challenges

Limited Access to Financial Services: Rural residents often have fewer nearby banking institutions and lack familiarity with credit, loans, and investment tools.

Generational Financial Habits: In many households, financial behaviors are learned from experience rather than formal instruction, perpetuating misinformation or poor money habits.

Youth Vulnerability: Young adults face increasing costs of living, student loan debt, and credit card usage without adequate financial literacy education during their school years.

Opportunities for Cooperative Extension

Youth Education: Integrate financial literacy lessons into 4-H clubs and school partnerships, focusing on budgeting, saving, and responsible spending habits.

Adult Programming: Offer community workshops on topics like debt reduction, credit repair, grocery budgeting, financial goal-setting, and preparing for retirement.

Family Resource Collaboration: Partner with the Family Resource and Youth Services Center (FRYSC) to support families with income management strategies, including SNAP budgeting and cost-saving practices.

Workforce Readiness Linkages: Connect financial literacy to job readiness programs by teaching young workers how to manage paychecks, file taxes, and plan for the future.

Conclusion

Improving financial literacy and resource management in Bracken County can strengthen individual well-being, family stability, and community resilience. By delivering accessible, practical, and age-appropriate programming, Bracken County Cooperative Extension can play a leading role in fostering a culture of financial empowerment and long-term economic health.

Long-Term Outcomes:

Adult

• Increased human capital among Kentuckians
• Decrease in state unemployment rates
• Improved quality of workforce

                                                                                   

Youth

• Youth will demonstrate necessary leadership, teamwork, and communication skills needed to be successful in the workplace. 
• Youth participation in community involvement increases.
• Youth will serve in leadership roles in their community.
• Youth will more effectively communicate, work with others, and contribute to driving change and shaping the future. 
• Youth will become engaged, healthy, and productive members of their communities.

• Increased meaningful social connections
• Increased support network
• Increased kindergarten readiness rates in the county and state
• Increased caregiver preparation
• Improved quality of family life

Intermediate Outcomes:

Adult

• Increased implementation of employability strategies/skills
• Increased salary/income
• Increased employment

Youth

• Youth will practice teamwork, responsibility, communication, conflict resolution techniques, and problem-solving skills.
• Youth will plan and implement a service project.
• Youth will choose to take on leadership roles in their community.

Adult

• Increased financial literacy skills
• Improved financial security and stability
• Improved financial and economic well-being

 Youth

• Youth will have increased economic security.  
• Youth will make sound financial decisions. 
• Youth will have an increased rate of savings. 
• Increased healthy relationships across generations that support healthy community, nurturing behaviors, and quality time together.
• Enhanced community partnership that equitably support family health (e.g., FRISC, Health Depart., DAIL, AAA,)

Initial Outcomes:

Adult

Strengthening work and life skills, including but not limited to, developing workforce development skills, employability and interpersonal skills, and work-life management strategies. 

• Developed skills related to workforce development
• Improved employability and interpersonal skills
• Increased confidence to implement employability strategies
• Developed strategies for maintaining a health work-life balance

                                                                                   

Youth

• Youth identify personal strengths that contribute to life and work skill development.
• Increased knowledge of career pathways.
• Increased knowledge of educational, training, and certification opportunities.
• Youth will practice civic engagement, leadership and communication skills.

Adult

Strengthening financial literacy and well-being, including but not limited to, budgeting, spending wisely, saving, using credit responsibly, reducing debt, estate planning, fraud reduction, etc.

• Improved financial literacy knowledge
• Improved employability and interpersonal skills
• Increased confidence to implement employability strategies
• Developed strategies for maintaining a health work-life balance

                                                                                   

Youth

• Youth will increase knowledge in understanding personal financial management. 
• Youth will aspire to make SMART (specific, measurable, attainable, relevant, and time-bound) economic and financial well-being decisions. 

Strengthening family behaviors include, but are not limited to, spending time together, creating safe environments, engaging in positive communication, building supportive networks, showing appreciation, healthy stress management, engaging in regular selfcare, and adopting a positive outlook.

• Increased knowledge about nurturing parenting and caregiving across the life span.
• Increased awareness of community resources to support healthy families.
• Increased confidence making decisions related to parenting and caregiving.
• Increased confidence and motivation to reduce loneliness and social isolation.
• Improved skills related to nurturing parenting and caregiver support
• Increased intentions to employ health-promoting behaviors (e.g., reading to your child, spending time together, self-care, caregiver preparation, active living).

Evaluation:

Outcome: Developed skills related to workforce development (initial)

Indicator: Number of individuals who reported learning new skills to prepare or improved themselves for the workforce as a result of participating in an Extension workforce development program/outreach

Method: Self-reported surveys

Timeline: Post-program/curricula survey administration

Outcome: Short term

Indicator: 

• Number of youth who reported learning new skills to prepare or improve themselves for the workforce as a result of participating in an Extension workforce development program/outreach.
• Number of youth who reported that they improved their job interview skills as a result of participating in an Extension workforce development program/outreach.
• Number of youth who reported an improvement in their personal skills (e.g., communication, networking, time management) as a result of participating in an Extension workforce development program/outreach. 
• Number of youth who reported improvement in their confidence to implement employment strategies as a result of participating in an Extension workforce development program/outreach.
• Number of youth who reported that they learned strategies for managing their work-life responsibilities as a result of participating in an Extension workforce development program/outreach. 
• Number of youth who reported expressing their thoughts or opinions. 
• Number of youth who reported using information to communicate with others. 
• Number of youth who reported demonstrating a skill they have learned. 
• Number of youth who reported serving in a leadership role. 
• Number of youth who reported working in a team / group to accomplish a common task or goal. 
• Number of youth who reported realizing how my actions impact others. 
• Number of youth reporting identifying the needs of others in their community. 
• Number of youth who reported participating in a service activity (community service, service learning, personal service to others). 
• Number of youth who reported recognizing leaders in their community or area of interest. 
• Number of volunteers who taught youth to express their thoughts or opinions. 
• Number of volunteers who taught youth how to use information to communicate with others. 
• Number of volunteers who provided opportunities for youth to demonstrate a skill they learned. 
• Number of volunteers who provided opportunities for youth to serve in a leadership role. 
• Number of volunteers who facilitated experiences for youth to work in a team/group to accomplish a common task or goal.  
• Number of volunteers who helped youth understand how their actions impact others. 
• Number of volunteers who facilitated the identification of the needs of others in their community. 
• Number of volunteers who coordinated service activities (community service, service learning, personal service to others). 
• Number of volunteers who taught youth to recognize leaders in their community or area of interest.

Method: Standard Evaluation 

Timeline: Immediately post program (6+ hours)  

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Outcome: Increased practical skills in trades and craft-based industries (initial)

Indicator: Number of participants reporting gaining a new skill through hands-on instruction or workshops in trades or craft-based skills (e.g. woodworking, painting, metalworking, hand-building).

Method: Self-reported surveys collected immediately after workshop participation.

Timeline: Post-program survey administration with optional 6 months follow up to assess skill application

Outcome: Improved knowledge related to financial literacy concepts (initial)

Indicator: Number of individuals who reported increased knowledge of family finance and/or resource management concepts.

Method: Self-reported surveys

Timeline: Post-program/curricula survey administration

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Outcome: Improved financial and/or resource management skills (e.g., creating a budget, checking credit report, developing an estate plan, etc.) (initial)

Indicator: Number of individuals who reported developing skills related to family finance and/or resource management

Method: Self-reported surveys

Timeline: Post-program/curricula survey administration or follow-up evaluation 

Outcome: Short term  

Indicator: 

• Number of youth who reported learning  the differences between purchases made for “needs” vs “wants” 
• Number of youth who reported that they learned about budgeting. 
• Number of youth who reported that they learned about savings.

Method: Standard Evaluation Tool for 4-H Family Consumer Sciences: Survey

Timeline: Immediate Post Program

Learning Opportunities:

Audience: 4-Hers, Extension Professionals, Clientele 

Project or Activity: 4-H Core Program Areas (Leadership, Agriculture, Natural Resources, Communcation and Expressive Arts, Science, Engineering and Technology, Health and Wellbeing, and Family Consumer Sciences), 4-H Camp, Cloverbud, Volunteerism

Content or Curriculum: Approved Kentucky 4-H Curriculum by Core Program Area or Area of Interest

Inputs: These programs are supported by the research base of the Cooperative Extension Land-grant system, funding from the Kentucky 4-H Foundation, Inc., local, state, and federal sources, grants, and the engagement of volunteers, youth, communities, and external stakeholders.

Dates: Program Year 

Audience: Individuals, Families, Employees

Project or Activity: Development of Time Management Skills

Content or Curriculum: Time Well Spent: Productivity Skills for Success curriculum; publications, newsletters; Leader Lessons; podcasts; etc.

Inputs: Programmatic materials, paid staff, volunteers, community partners, non-profit organizations, schools, Chamber of Commerce, businesses, etc.

Date: Ongoing

Audience: Individuals, Families, Employees

Project or Activity: Development of Employability Skills

Content or Curriculum: Positive Employability; Preparing for Financial Success curriculum; publications, newsletters (e.g., MONEYWI$E); Job Club; podcasts; PROFIT; Recovering Your Finances curriculum; OneOp; Enhancing Essential Skills Through the Arts curriculum and lessons, Artist Studio Guide lessons, publications

Inputs: Programmatic materials, paid staff, volunteers, community partners, non-profit organizations, schools, Court system, community centers, etc.

Date: Ongoing

Audience: 4-Hers, Extension Professionals, Clientele

Project or Activity: 4-H Resume, Cover Letter, and Interview Skills Program (Club/Group/Individual)

Content or Curriculum: Kentucky 4-H Work & Life Readiness Lessons, 4-H Build Your Future, Work Ready Life Skills, and Leap into Careers.

Inputs: These programs are supported by the research base of the Cooperative Extension Land-grant system, funding from the Kentucky 4-H Foundation, Inc., local, state, and federal sources, grants, and the engagement of volunteers, youth, communities, and external stakeholders such as civic groups. Focus is on Grades 8-12.

Dates: Program Year

Audience: Individuals, Families, Employees

Project or Activity: Development of Financial Literacy Skills

Content or Curriculum: Use Less. Spend Less. Stress Less. curriculum; publications; MONEYWI$E newsletter and podcasts; PROFIT; Recovering Your Finances curriculum; OneOp; Big Blue Book Club; In the Face of Disaster; Leader Lessons; Money Habitudes; etc. 

Inputs: Programmatic materials, paid staff, volunteers, community partners, non-profit organizations, schools, financial entities and organizations, businesses, etc. 

Date: Ongoing

Audience: Individuals, Families, Employees

Project or Activity: Estate Planning

Content or Curriculum: Estate Planning publication series; Transferring Cherished Possessions curriculum; MONEYWI$E newsletter and podcasts;OneOp; Leader Lessons; farm succession and legacy building programs; etc.

Inputs: Programmatic materials, paid staff, volunteers, community partners, non-profit organizations, schools, farms, community centers, etc.

Date: Ongoing

Audience: Youth  

Project or Activity: Reality Store

Content or Curriculum: It’s Your Reality 

Inputs: 

• 4-H Family and Consumer Sciences programs in which youth experience a sense of belonging, and developmental relationships, explore their spark, and actively engage in meaningful opportunities.  
• Accredited and certified volunteers in 4-H FCS projects. 
• Kentucky Extension Homemakers Association 
• Clothing Volunteers 
• Four residential camping facilities.  
• Cooperative Extension Educational facilities.  
• Utilization of approved research-based curriculum. 
• Outreach of the Cooperative Extension Land-Grant System.  
• Funding from the Kentucky 4-H Foundation, Inc.  
• Funding from local, state, and federal sources.  
• Engagement of youth and volunteers in program delivery.  
• Engaging communities in identifying and implementing programming based on local needs. 

Date: September 1 – August 30 

Audience: Families and Individuals

Project or Activity: Kindergarten Readiness

Content or Curriculum: Laugh and Learn Playdates, Understanding Disability, Information Releases, and Publications

Inputs: Programmatic materials, paid staff, community partners, volunteers, faith-based organizations, HeadStart/daycare organizations, healthcare providers and local clinics, health department, non-profits, schools, Homemakers, community centers, etc.

Date: Ongoing

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Audience: Families and Individuals

Project or Activity: Communication/Relationships Across the Lifespan

Content or Curriculum: Pathways to Wellness, Faithful Families, Story Walks, Shared Space Agreements, Trail development, Active Community Toolkit, Be More Guide, resources for early care and education settings, food system work (e.g., farmers’ markets, backpack programs, community gardens), SNAP-Ed toolkit; Memory Banking/Life Story; Keys to Embracing Aging; AARP Prepare to Care; Kick Kentucky Cancer; Living with Loss; Mental Health Matters; In the Face of Disaster Toolkit; How to Help Military Families; Understanding Risky Adolescent Behavior and Healthy Brain Development; WITS Workout; Grandparents and Grandchildren Together.

Inputs: Programmatic materials, paid staff, community partners, volunteers, grant funds, local organizations and community partners, health coalitions, Nutrition Education Program, local farms/growers/producers, key stakeholders, elected officials, Department of Transportation, employee health and wellness, schools, etc.

Date: Ongoing

Evaluation:

Outcome: Developed skills related to workforce development (initial)

Indicator: Number of individuals who reported learning new skills to prepare or improved themselves for the workforce as a result of participating in an Extension workforce development program/outreach

Method: Self-reported surveys

Timeline: Post-program/curricula survey administration

Outcome: Short term

Indicator: 

• Number of youth who reported learning new skills to prepare or improve themselves for the workforce as a result of participating in an Extension workforce development program/outreach.
• Number of youth who reported that they improved their job interview skills as a result of participating in an Extension workforce development program/outreach.
• Number of youth who reported an improvement in their personal skills (e.g., communication, networking, time management) as a result of participating in an Extension workforce development program/outreach. 
• Number of youth who reported improvement in their confidence to implement employment strategies as a result of participating in an Extension workforce development program/outreach.
• Number of youth who reported that they learned strategies for managing their work-life responsibilities as a result of participating in an Extension workforce development program/outreach. 
• Number of youth who reported expressing their thoughts or opinions. 
• Number of youth who reported using information to communicate with others. 
• Number of youth who reported demonstrating a skill they have learned. 
• Number of youth who reported serving in a leadership role. 
• Number of youth who reported working in a team / group to accomplish a common task or goal. 
• Number of youth who reported realizing how my actions impact others. 
• Number of youth reporting identifying the needs of others in their community. 
• Number of youth who reported participating in a service activity (community service, service learning, personal service to others). 
• Number of youth who reported recognizing leaders in their community or area of interest. 
• Number of volunteers who taught youth to express their thoughts or opinions. 
• Number of volunteers who taught youth how to use information to communicate with others. 
• Number of volunteers who provided opportunities for youth to demonstrate a skill they learned. 
• Number of volunteers who provided opportunities for youth to serve in a leadership role. 
• Number of volunteers who facilitated experiences for youth to work in a team/group to accomplish a common task or goal.  
• Number of volunteers who helped youth understand how their actions impact others. 
• Number of volunteers who facilitated the identification of the needs of others in their community. 
• Number of volunteers who coordinated service activities (community service, service learning, personal service to others). 
• Number of volunteers who taught youth to recognize leaders in their community or area of interest.

Method: Standard Evaluation 

Timeline: Immediately post program (6+ hours)  

---

Outcome: Increased practical skills in trades and craft-based industries (initial)

Indicator: Number of participants reporting gaining a new skill through hands-on instruction or workshops in trades or craft-based skills (e.g. woodworking, painting, metalworking, hand-building).

Method: Self-reported surveys collected immediately after workshop participation.

Timeline: Post-program survey administration with optional 6 months follow up to assess skill application

Outcome: Improved knowledge related to financial literacy concepts (initial)

Indicator: Number of individuals who reported increased knowledge of family finance and/or resource management concepts.

Method: Self-reported surveys

Timeline: Post-program/curricula survey administration

---

Outcome: Improved financial and/or resource management skills (e.g., creating a budget, checking credit report, developing an estate plan, etc.) (initial)

Indicator: Number of individuals who reported developing skills related to family finance and/or resource management

Method: Self-reported surveys

Timeline: Post-program/curricula survey administration or follow-up evaluation 

Outcome: Short term  

Indicator: 

• Number of youth who reported learning  the differences between purchases made for “needs” vs “wants” 
• Number of youth who reported that they learned about budgeting. 
• Number of youth who reported that they learned about savings.

Method: Standard Evaluation Tool for 4-H Family Consumer Sciences: Survey

Timeline: Immediate Post Program