Ted Daniels, founder of a 25-year-old financial literacy organization, has made it his mission to reach students who've historically been left out of money conversations. His model? Train student ambassadors at 46 HBCUs to teach their peers and head into local high schools, too. Tune in for some inspiration.

In this episode, Daniels breaks down the three topics students are most hungry to learn: budgeting (specifically value-based budgeting built around personal priorities), credit and debt management, and investing.

He's direct about the dangers of get-rich-quick culture, telling students flat-out: "You don't gamble with resources you need."

But it's not just about avoiding bad decisions; the conversation also tackles AI's growing role in personal finance and why foundational knowledge matters more than ever.

As Daniels puts it, "You need a level of knowledge to know what's being said is accurate for you." AI tools can help, but they can't replace critical thinking.

See the full transcript and listen to the episode on Apple Podcasts or Spotify.

Also Check Out: Your Brain on Money with Hanna Horvath, CFP & Managing Editor at Bankrate

Hanna Horvath, CFP and financial journalist, has spent her career asking one provocative question: if financial information is everywhere, why are people still struggling? Her answer: It's not about knowledge. It's about psychology.

Horvath introduces the concept of "money scripts" or unconscious beliefs inherited from childhood, like "money causes conflict" that quietly drive financial behavior in adults. She argues that teaching tactics without addressing the underlying belief system is why so much financial advice doesn't stick.

She's candid about the structural forces working against younger generations, too, telling listeners: "You're one human brain operating in a world where companies spend billions to get you to spend, borrow, bet, and consume."

If your students seem checked out or cynical about their financial futures, this episode will help you understand why, and what to do about it.

See the full transcript and listen to the episode on Apple Podcasts or Spotify.

Join Us LIVE at Tonight's Speaker Series with Stephen Day on Making Personal Finance Fun and Hands-On

As director of the VCU Center for Economic Education and author of Teach a Kid to Save: A Fun, Hands-On Approach to Building Smart Money Habits, Stephen has spent years figuring out how to teach money concepts without triggering the paralysis that words like "economics" can cause.

In this session, Stephen will share strategies for creating classroom mini-economies, turning abstract financial concepts into concrete experiences, and why hands-on learning beats lectures every time.

Register now to join us tonight (March 26) at 4pm PT / 7pm ET.