While identifying needs through the Bath County's Extension Council, one topic that was talked about is the need for financial literacy programs. 63% of Americans have no emergency savings for things such as a $1,000 emergency room visit as reported by Bankrate.com. The FCS Agent hosted a series of educational programs that identified different aspects of financial education, such as savings versus investing, developing a spending plan and evaluating the process, using apps that automate finances for the 21st-century person. Utilizing a variety of learning tools allowed participants to learn in multiple ways based on their needs. Over the course of the series,100 participants learned something they could implement into their lives immediately. Several members have adopted one or more methods for saving money, monitoring their spending, and looking into different types of banking options. Parents attending programs have also passed age-appropriate money knowledge to their children.