Help Teens Fight Income Inequality

Here is the problem:

Income inequality is a crisis in the United States! 
The divide has increased during the COVID-19 pandemic and will only get worse.

History has shown that when recessions hit, school funding gets cut.
And the ones who need it the most are losing the most: School districts with high poverty rates lose up to 3x as much state funding.

Our students are at risk, especially in our low-income communities.
Less than 17% of high schoolers were required to take at least one-semester of personal finance (1 ). That means that almost 2.7 million graduating high school students DO NOT RECEIVE financial education.

We wouldn’t let our teens drive without knowing how a vehicle works. 
How can we let them take out credit cards, student loans and auto loans without knowing how finance works?

Financial illiteracy is the largest contributing factor to income inequality.
Here is our goal:
#12to1million was launched by Cut The Fiscal Fat ’s creator Megan DeCrosta and our goal is simple: get financial literacy education into the hands of 1 million students by the end of 2022.

Students are clearly not receiving the financial education they so desperately need before they are inundated with credit cards and student loans. 

To help combat income inequality we created the Need To Know Life Guide (Level 1), an effective and fun way to learn about money, finances, and credit. 
With your help teens and young adults will have access to the Need To Know Life Guide™ (Level 1) for one year, at no cost to them.

This 48 minute introductory course will equip teens with the foundational knowledge of personal finance::
  • Earn
  • Save & Invest
  • Spend
  • Borrow
  • Protect
Financial literacy empowers individuals with the ability to create personal wealth and enable them to pass these positive behaviors on to their family and friends.
We are confident that by providing this education to our students it will inspire further self-education in areas of personal finance.

Those who are knowledgeable in areas of personal finance are more likely to plan, save and invest, and are less likely to engage in poor financial behavior.

How you can help:
‘‘There is immense power when a group of people with similar interests gets together to work toward the same goals.” - Idowu Koyenikan
Everyone plays a part in the success of the youth. If you are in a position to contribute and you have the means to take action, we hope you will donate today. No dollar amount is too small.
100% of donations (less the 2.9% and $0.30 per donation transaction fee) will go directly to obtaining the financial literacy curriculum for teens. The cost break down per teen is $1!!
This initiative will be the foundation for providing this curriculum to the high school junior class every year from here on out until personal finance (at least one-semester) is a high school requirement in each state.
Thank you for your consideration.
Let’s empower our youth through education!

Organizations we've partnered with:


  • Erin Casey 
    • $500 
    • 2 mos
  • Todd Caschera 
    • $50 
    • 3 mos
  • Emily Bergh 
    • $100 
    • 4 mos
  • Eric Decrosta 
    • $100 
    • 5 mos
Become an early supporter 

Your donation matters


Megan DeCrosta 
Albany, NY