Now Enrolling for 2024

BEGIN YOUR FINANCIAL EDUCATION TODAY

3rd Decade’s financial literacy and personal finance program combines education, mentoring, and support to build financial confidence and equip young adults with the knowledge to take their financial futures in hand. If you want to learn more about how 3rd Decade is fighting for financial illiteracy in young adults, click here.

Eligibility for 3rd Decade’s Financial Education and Personal Finance Program:

  • 18-35 years old at the time of application
  • Individual households whose gross income is less than $75,000 or two-earner households whose gross income is less than $120,000 combined.
  • Willingness and ability to save, manage debt, and start a financial plan

What The Program Requires:

  • Completing 4 classes (2.5 hours each, to occur every other week).
  • A timely completion of corresponding quizzes & the final exam.
  • During your time in classes, you will have a larger assignment to prepare for your first meeting with a financial mentor (the Discovery Meeting). This will include filling out a detailed “Financial Profile” spreadsheet that captures your current income and expenses, and also gives you a chance to share your financial outlook and circumstances with your mentor. Additionally, you will create an account with a platform called Elements, which we use during your financial meetings to address financial health metrics and inform goal-setting.
  • Attendance to all 3 meetings with your Financial Mentor. (Meeting 1: 2 hours, Meeting 2: 1 hour, and Meeting 3: 1 hour – to occur approximately 1 year apart each).

If you meet the outlined requirements above, fill out the application below to apply to 3rd Decade’s financial literacy and personal finance program. Take the first step in achieving financial control of your 3rd Decade of life.

Thank you for your interest in the 3rd Decade® Program.

As a reminder, here are the program qualifications:
Between the Age: 18-35
Income: Individual - less than $75k Gross or Household - less than $120k Gross

Disclaimer: Please complete the following application to the best of your ability. Submitting an application does not guarantee an acceptance to the 3rd Decade Program. We reserve the right to deny any application that is incomplete or does not include the requested information. 

Onboarding occurs on a quarterly basis (December for Q1, March for Q2, June for Q3, and September for Q4). Be sure to complete the application all the way to the end or it will not register in our system. If you do not hear from us within 3 months of submitting your application, email [email protected].

General Qualification Questions




Gross income is the amount of money you earn, typically on a paycheck, before payroll taxes and other deductions. Ex: $40,000.00 


If you filed a 1040, the AGI is on line 8b.






Personal  Information:










By providing your phone number, you agree to receive text messages and/or phone calls at the number provided. This will be used ONLY by 3rd Decade staff to communicate program deadlines and time-sensitive messages, if necessary. We will never sell your information nor communicate any non-program related information. 

Message frequency may vary. Standard message and data rates may apply. Text STOP to cancel.





Demographic Questions


Select all that apply.


Select all that apply.





Your spouse/partner will be emailed the application.







This should be different from your email

Additional Demographics

These following questions help us understand more about you, your financial situation, and past experiences. We strive to serve individuals who may not otherwise have access to financial education/mentoring. Your answers do not affect your eligibility for our program.


Employment History














Contact Information