CNBC by Darla Mercado–A nonprofit organization is giving millennials of modest means a kick start into adulthood. The plan is to teach them the tenets of personal finance and also to give them $1,000 toward their retirement. Say hello to the 3rd Decade, a free educational program offered by the TCI Foundation and founded by Bob Swift, a financial advisor at TCI Wealth Advisors, a fee-only firm in Tucson, Arizona.