Frequently Asked Questions
We're here to make personal finance easy
Why 3rd Decade?
The question is, why not 3rd Decade? We’re dedicated to transforming financial futures by empowering young adults in their “3rd Decade of life” with the knowledge and tools needed for long-term success. We offer comprehensive financial education, personalized mentorship, and a $250 Roth IRA match to ensure you have the resources and support to build a solid financial foundation. By focusing on education, mentorship, and practical financial strategies, we make your financial journey easy, helping you secure a brighter financial future.
What's the catch?
There is no catch – just your commitment to yourself! We don’t sell investment products, we don’t manage your money, and we don’t charge you anything (Ask our Grant Writer – she’ll tell you). As a non-profit, we’re here to empower you to feel comfortable and confident in making educated financial decisions. Financial Mentoring is made possible through dedicated volunteers who are committed to creating a safe, judgement fee environment that is focused on your best interests.
Where is 3rd Decade located?
We were founding in Tucson, AZ but now operate virtually with team members, volunteers, and 3rd Decaders located across the United States.
How do I get started?
Ooh, this an easy one – You’ve already taken the first step just by reading this answer! Your next step is to submit your application and start preparing for your financial journey.
Can I be a 3rd Decader?
- You are between the ages of 18-35 (in your 3rd-ish Decade of life)
- Your individual income is less than $75,000 or your household’s income is less than $120,000
*Please visit the Apply page for more details
We believe that financial education should be easily accessible and comfortable! We will do our best to accommodate if you have a female or male financial mentor preference, have accessibility requests, or are bilingual (Spanish).
Can my partner and I join together?
Absolutely! We’ll help you work towards your financial goals whether you are doing so as an individual or as a team. We highly recommend that couples who are sharing finances and/or planning on sharing their life together into retirement participate in the program together.
What can I expect with 3rd Decade?
You can expect to have fun on your financial journey with us! At 3rd Decade, we believe that achieving financial success should be both rewarding and enjoyable. We make this possible by providing comprehensive support every step of the way. Our program includes engaging financial education, personalized mentorship, and practical tools designed to make learning about finance enjoyable and accessible. We’re here to guide you, answer your questions, and celebrate your milestones. With a supportive community and a focus on making financial planning interactive and inspiring, you’ll find the journey to financial success both achievable and enjoyable.
Learn more on our Programs page.
What can I expect to learn?
You can expect to have fun on your financial journey with us! At 3rd Decade, we believe that achieving financial success should be both rewarding and enjoyable. We make this possible by providing comprehensive support every step of the way. Our program includes engaging financial education, personalized mentorship, and practical tools designed to make learning about finance enjoyable and accessible. We’re here to guide you, answer your questions, and celebrate your milestones. With a supportive community and a focus on making financial planning interactive and inspiring, you’ll find the journey to financial success both achievable and enjoyable.
Learn more on our Programs page.
What should I expect when working with a Financial Mentor?
The mentoring process starts with a Discovery meeting where you lay all your (financial) cards out on the table without any judgment so your mentor can fully understand your current financial situation. We always say we don’t care how you got there, we only care about where you want to go. This first meeting gives you and your mentor a solid idea of your financial goals, both short and long term, what your budget looks like, your current financial health, and anything else YOU want to discuss. Together, you will create a financial plan that will outline your financial purpose, your goals, and next steps for you to take on your financial journey.
One year after your Discovery Meeting, you will attend a Progress Meeting with your mentor to check in, celebrate financial wins, work thorough financial pain-points, and re-evaluate your goals and Financial Plan.
Your final Progress meeting takes place one year later. You will again meet with your mentor to check in, celebrate financial wins, work thorough financial pain-points, and re-evaluate your goals and Financial Plan. At the end of this meeting, you can expect to feel confident in making financial decisions for yourself, with a clear understanding of your financial goals, actionable strategies to achieve them, and the knowledge to navigate your financial future with assurance.
What if I already work with a Financial Mentor or Advisor?
You can still participate in the 3rd Decade program even if you’re already working with a financial advisor. Our participants have found great value in working with both our financial mentors and their personal financial advisors simultaneously.
How can I bring financial wellness to my organization or group?
Check out our Financial Workshops page or contact Joe’Mar Hooper at [email protected] to learn about partnering with 3rd Decade.
3rd Decade will never...
- Sell your information
- Give you up
- Sell you products
- Let you down
- Shame you
- Run around and desert you
- Tell you what institutions to put your money in
- Make you cry
- Manage your money
- Say goodbye
- Charge you for the 3rd Decade Program
- Lie and hurt you
Don’t see an answer to your question? Please contact us and we will get back to you just as soon as we possibly can.
