THE PROBLEM

Young adults today often lack access to high-quality financial education, training, and support to make good decisions about their financial futures. You’ve most likely encountered one or even all of the examples listed below along your path to financial independence. 3rd Decade encourages you to be aware of obstacles and statistics and take your financial journey into your own hands to overcome whatever comes your way. Find out how 3rd Decade strives to help participants overcome prevalent financial problems below.

Problem:

According to the National Institute on Retirement Security, 66% of Millennials don’t have anything saved for retirement

3rd Decade’s Response:

If you only learn one thing from participating in the 3rd Decade, it will more than likely be the importance of compounding and the opportunity young people have to change their personal financial future. We aim to inspire young people to take advantage of these things NOW. Your future self will thank you.

Problem:

Pension plans are disappearing and when offered only 1/3 of Millennials are even participating in their employer’s retirement plan.

3rd Decade’s Response:

Without the forced savings aspect of pension plans, it is critical to understand how to save for retirement and the options available to you. 3rd Decade teaches the basics of retirement savings and looks at the specific details of each participant’s options to empower educated decision making.

Problem:

A study by the New York Fed uncovered the fact that Americans 18-29 years old now owe over $1 Trillion in debt.

3rd Decade’s Response:

Debt is one piece of your financial picture and understanding the specifics of debt and how to address it are the first steps in becoming financially confident. The 3rd Decade program provides participants the tools and resources to understand, manage, and control debt.

Problem:

According to the American Psychological Association, money is the top stressor of American families and the numbers increase for the younger generations.

3rd Decade’s Response:

We appreciate that talking about money is scary and stressful for most people, which is why we take pride in judgment and conflict free education and mentorship. We strive to build financial confidence in our participants and encourage open, thoughtful conversations on finances to help mitigate money as a stressor.

THE PROBLEM

Young adults today often lack access to high-quality financial education, training, and support to make good decisions about their financial futures. You’ve most likely encountered one or even all of the examples listed below along your path to financial independence and the statistics are staggering. However, those who are aware of the obstacles and do nothing to overcome them are the people who will struggle financially. Simply being on this site sets you apart, it is an advantage to know what you’re up against. Be aware and take action.

According to the National Institute on Retirement Security, 66% of Millennials don’t have anything saved for retirement

Pension plans are disappearing and when offered only 1/3 of Millennials are even participating in their employer’s retirement plan.

According to the American Psychological Association, money is the top stressor of American families and the numbers increase for the younger generations.

A study by the New York Fed uncovered the fact that Americans 18-29 years old now owe over $1 Trillion in debt.

OUR STORY

3rd Decade® was founded to provide financial education and conflict-free advisor services to young adults. Bob Swift, founder, recognized an extreme deficit in financial education for young professionals. Our commitment is to providing access to professional mentoring and financial education through 3rd Decade program. Financial experts lead the 3rd Decade® program, to increase your financial confidence and success.

While in your 20s and 30s, it is the most critical time for planning and maximizing future financial success. Financial security is more about good money habits and decisions rather than how much you make. Poor financial decisions early in life can compromise your financial security for years. At a minimum, we want you to have the knowledge, skills, and confidence to make good financial decisions.

Changing financial futures forever by starting today.

THE 3RD DECADE TEAM

financial education 3rd Decade

Executive Director

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Lead Financial Mentor

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Program & Operations Associate

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3RD DECADE BOARD OF DIRECTORS