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Contact Information

Craig Wood, Ph.D
Acting Associate Dean & Director
UK Cooperative Extension Service

S-107 Ag. Science Center North Lexington, KY 40546-0091

+1 (859) 257-4302

craig.wood@uky.edu

Impacts

Contact Information

Craig Wood, Ph.D
Acting Associate Dean & Director
UK Cooperative Extension Service

S-107 Ag. Science Center North Lexington, KY 40546-0091

+1 (859) 257-4302

craig.wood@uky.edu




Fiscal Year:
Jul 1, 2024 - Jun 30, 2025


Success StoryMoney Matters for 4-Hers



Money Matters for 4-Hers

Author: Regina Browning

Planning Unit: Shelby County CES

Major Program: Family and Consumer Science

Plan of Work: Securing Financial Stability

Outcome: Intermediate Outcome

According to 2024 Experian data, the average American holds a debt balance of $105,056.  Young people will pick up and emulate the relationship with money and spending habits of the adults in their lives. This may set them up for lifelong financial struggles.   A 2017 T. Rowe Price Survey stated that 69% of parents admit they are reluctant about broaching the topic of finances with their children.  To help set kids on the right path, Shelby County 4-H provided a Money Matters program to 628 students in 4th and 5th grades.

The program taught by Shelby County 4-H Agents emphasized paying for needs before wants, the importance of saving money for emergencies, and making smart financial decisions.   The program also highlighted the connection between educational levels, career choices and salaries.  A follow-up survey was conducted one month after the initial program. As a result of the program, 90% of the participants indicated that they understood the importance of paying for their needs before their wants and 91% of the students felt that it was important to have money in savings.  Additionally, 67% of the 4-Hers said they had thought about a future career that would help they pay for the things they need and want.   Additionally, 82% gained an understanding of how doing well in school can help them reach their career goals.

Some of the comments on a survey one month after the program included:

“I learned to work hard in school and think about the job you want so it will pay for the things you want and more importantly need.”

“I learned it is important to save money.” 

“I learned how to be smart with money, save money, buy things I need instead of want.”

“I learned that is hard when you have a budget and I now understand how parents try to pay   for things.” 






Stories by Regina Browning


Money Matters for 4-Hers

about 2 months ago by Regina Browning

According to 2024 Experian data,the average American holds a debt balance of $105,056. Young people ... Read More


Shelby County Stockman's College

about 4 months ago by Regina Browning

According to a study initiated by the U.S. Department of Agriculture (USDA) and Purdue University re... Read More


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In a recent survey by the Junior Achievement USA in collaboration with Citizens Bank, more than half... Read More


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