Regardless of how much money a person has, it pays to manage it wisely.  In 4-H, youth learn the difference in a “want” and a “need,” how a bank account works, how to create a budget, to get the most for the money spent, to use a credit card responsibly, to save for the future, and to make money work for you through investment.

Kentucky 4-H believes that all youth should have opportunities for positive youth development in our four guiding concepts: mastery, belonging, independence, and generosity.  This program fosters mastery by learning wise consumer practices, decision-making, budgeting, how credit works, how to prepare for an employable future, and how to start a business; belonging by being part of a group with similar interests, independence by responsible spending, saving and investing; and generosity by serving in one’s community or supporting charitable causes.  Contact your county extension office for more information.





State Contact:  Kimberly Adams Leger | kladams@uky.edu | 859-257-7179