A needs assessment by the University of Kentucky Cooperative Extension identified that youth in the county lacked opportunities for essential life skills training, particularly in the areas of financial literacy, career planning, and decision-making. This was the second-highest need related to 4-H youth development in the county, with many students graduating unprepared for financial planning and career choices. In response, the 4-H Reality Store program was utilized to provide high school students with hands-on experiences in these areas.

The Owsley County Extension 4-H Agent, in collaboration with Owsley County High School, Partners for Rural Impact coordinator, Owsley County High School Family Resource Youth Services Coordinator, and over 40 local volunteers, implemented the 4-H Reality Store program. The event engaged 10th-12th grade students in an immersive experience that included budgeting, career planning, and financial decision-making. Students also participated in classroom lessons to prepare for the event, covering topics such as goal-setting and evaluating career choices.

A total of 140 students from grades 10-12 participated in the program. These students, aged 15-18, were from both rural and urban backgrounds, many with little exposure to real-world financial planning or career decision-making. Teachers followed up with participants to assess the program’s impact.

The program’s outcomes were significant:

92% of students reported an increase in their knowledge of budgeting.

88% felt they had gained better financial decision-making skills.

84% learned how much money it takes to raise a child.

92% understood the importance of saving for the future.

One student shared, "I had no idea how much my mom must struggle to make ends meet. Raising kids is expensive." This reflection exemplified the deeper understanding the students gained about the financial challenges that adults face, helping them connect the dots between their current lives and their future responsibilities.

Several students also reconsidered their career choices and expressed a desire to pursue further education or training for better financial security. Teachers noted improved engagement and discussions about financial planning, career paths, and goal setting.

The 4-H Reality Store program addressed a critical need by equipping Owsley County students with essential life skills and motivating them to stay in school and plan for their futures. The program not only enhanced students' financial and career knowledge but also fostered community collaboration, empowering youth to make informed decisions that will positively impact their lives and the community.