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. Learn how 3rd Decade’s program provides financial education for young adults and strives to help individuals overcome prevalent financial literacy problems below.

Lack of Financial Preparedness:

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.

Changing Times:

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.

The Growing Cloud of Debt:

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.

Generational Stressors:

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.


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.