Statistics and general public feedback show that many students don’t have the financial knowledge and skills to make healthy financial decisions. Money management and career path development are both important areas that need to be addressed among our youth population so they are better equipped to make healthier financial decisions. Local schools requested the 4-H Reality Store program.  The 4-H Reality Store program is a real-life simulation that allows the student to see how their financial choices in relation to their salary based on their career path will affect their overall financial situation. 

The Hardin County Extension 4-H Agent collaborated with the school system transition readiness facilitator, middle school family resource youth services coordinators, teachers and 152 community members from local businesses/organizations to bring this event to five middle schools during the 2022-2023 school year. The agent worked with teachers to provide curriculum to complete five lessons in financial management prior to the event in all five schools.  

In total 469 7^th graders and 621 8^th graders from the five middle schools participated in the program.  Teachers followed up with  participants after the conclusion of the program. Survey results concluded the following:

76% shared they felt their knowledge of budgeting money increased after the program

84 % shared they increased their knowledge of making wise financial decisions

86% shared they increased their knowledge in how much money it takes to raise a child

72% shared they better understand the need for saving for the future

One student was reported to say that “they had a newfound respect for their parents after learning how hard it was to pay their bills.”