In this episode of the Cashology Podcast, Chris Turner, FNBO's Community Reinvestment Act officer, joins us. Chris shares her extensive background in banking and her passion for teaching financial literacy, driven by her experiences as a mother and professional. She discusses the concerning state of financial literacy in the U.S., highlighting a statistic that two-thirds of American adults can't pass a basic financial literacy test and more.
Chris and Justin explore the importance of financial education starting at a young age, and discuss the proactive steps FNBO is taking to address this issue, including partnering with schools and organizations like Junior Achievement to teach real-life financial skills.
Listen here and follow @CashologybyFNBO® on YouTube for more!
In addition, you can refer to these sites for free financial education resources:
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You're listening to the Cashology
podcast by FNBO,
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a place dedicated to helping you
become more financially savvy every day.
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It's a little like school,
but your only homework is living your best
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financial life.
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I'm your host,
Justin, and class is now in session.
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Hey, podcast listeners,
I had an absolutely wonderful time
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talking with Chris,
and we even got to talking to more things
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after we
you know, hit the stop recording button.
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So I do hope you take some time
pop into the show notes.
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Chris had some really great resources of
other comparators of how, you know, U.S.
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adults, compare as it relates
to financial literacy to other countries.
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So lots of great things that Chris had
and brought to the table.
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Unfortunately, we just didn't
get it all in the recording.
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So I hope you take some time
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to, pop into the show notes
and and see some of that stuff.
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Welcome back to the cash
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Ology podcast, a place where we dive
deep into personal finance
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to bring you actionable insights
and real life wisdom.
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Today we're joined by Chris Turner,
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who is the Community Reinvestment
Act officer here at FNBO.
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She has dedicated herself
to increasing financial education
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and literacy in the next generation.
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And well, we felt the perfect person
to talk to about this topic.
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Welcome, Chris Hi there.
Thanks for having me.
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Yeah, thanks for being here.
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Well, let's start with this.
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Tell us a little bit about yourself
and explain what you do
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and why we're talking about today:
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Enhancing financial literacy
in school is so important.
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All right.
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So, I have always been in banking.
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everything from a teller
to HR to compliance.
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And I think that, over the years,
I've been able to touch
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on financial education
with lots of different groups.
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it's something that I feel
is extremely important.
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One, because I see it in society
and I see where it lacks.
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also, I'm a mom of three kids,
and so I want to make sure that as
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they are
moving into the next phase of their lives
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and they're becoming
financially responsible adults.
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So, something that I'm very,
very passionate about.
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Very cool.
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And, you know,
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I can relate to, you know, just like
growing up, getting out of college,
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becoming like an adult, you know,
quote unquote, and then just realizing,
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oh, man, all this finance stuff
nobody, like, ever really taught us about,
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you know, balance a checkbook or
like anything like that throughout school.
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So I think it's
great to be passionate about,
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all this stuff.
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speaking about all that,
I found a statistic that two
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thirds of American adults cannot pass
a basic financial literacy test.
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What's your response to that?
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I mean, it's shocking,
but I actually think it's probably,
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even worse than what that statistic shows.
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So, I find it very interesting.
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I was reading an article recently.
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I think it was done in early 24,
and they said that 46% of American adults,
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only 46% of American adults, can cover
a $1,000 emergency with their savings.
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Oh my gosh.
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You know, like,
think of all the things that come up,
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car repairs
or home repairs or medical bills.
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And that's really scary to think
that there are such a large population
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of people out there that haven't been able
to get to a comfortable
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point in life where they can afford that,
that thousand dollars.
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Totally.
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And like I, I myself,
we just bought a house and you know,
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you save up for this stuff,
but oh my gosh, one thing
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after the other kind of just comes up
and it's it's very daunting.
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And yeah, you don't really know
that stuff is going to happen.
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And so $1,000 is right.
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You know, kind of like seems
I don't know like not a lot.
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But it's kind of unfortunate.
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It's oh it's hard to, you know, budget
for that and make sure you have that.
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So I guess from what I can tell,
this is clearly a big problem.
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Can you tell us a little bit about
the current state of financial education?
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And maybe we work towards
some possible ways to solve the problem?
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Certainly.
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So, I think the attention on financial
education has continued to improve,
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not only across, banks
but across other businesses as well.
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They're seeing that
as they're hiring in employees.
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Obviously,
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they may have all the training
that they need,
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but you want an employee
that can follow a budget or an employee
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that knows how to balance,
you know, their employee accounts
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as far as, their pay cards, right,
if they're out traveling.
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So I think some of the things
that we're starting to see,
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especially in the last couple of years,
are really, really positive.
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I noticed that, like here I live in Kansas
City and Kansas is one of the
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of only 25 states that requires
financial education in high school.
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So think about that.
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50 states in the union
and only 50% of them require
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a credit in financial education
to graduate from high school.
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that's a little scary, right?
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Like you're
sending these kids out into the world
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and they don't have a clue, like you said,
about balancing a checkbook.
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I think that one thing as a society
that we've done really well is we've
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taught kids how to use credit cards,
but we haven't really taught them
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how a credit card works
or the consequence of using a credit card.
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And if you don't pay it.
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And so those are some of the things I
think as a society, we're starting to see,
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oh gosh, we probably need to be educating
and empowering the next generation.
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I know that some of the things
that we are seeing, one as a bank,
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we are being very proactive
in how we reach out to communities,
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whether that be community groups,
whether that be schools, whether that even
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be elder.
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you know, like assisted living homes.
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We're reaching out to them as well
to talk about financial education
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and how we can help them
in all the different phases in life.
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So I like to see the trend improving, but
I think we still have a long way to go.
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Oh for sure.
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So now that now I'm curious with that.
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So, at the bank here then at FNBO.
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Oh, how long have we been doing
like those types of community education?
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events. Kind of like,
what kind of does it all entail?
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And, so I will say, historically,
FNB has been
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very proactive in this area.
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I think it's it is something
looking back over the history of the bank
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we've always done, but with the ability
to reach consumers and reach, communities
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through different means,
but doesn't all have to be in person.
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We're really finding ways to be kind of
innovative in how we reach out.
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So we do things from participating
in teach Kids to Save day,
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teaming up with local high schools,
with local middle schools.
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I've even been to elementary schools
talking about needs versus once,
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which is a whole other conversation
with kids.
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If they don't understand
needs versus wants.
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we do a
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lot with, various organizations
like Junior Achievement.
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They're, a nationwide organization.
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And so we have bankers that are going out
and working not only in classrooms,
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but they're going out and working
with these organizations to work with kids
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and really provide real life scenarios,
giving them a budget and having them learn
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how to balance it
or or giving them a fake job
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and earn a paycheck, and having to learn
how to buy groceries and pay bills.
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You know, it's really exciting to see.
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What are the main challenges
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to implementing effective
financial education in schools?
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Gosh, that's kind of a loaded question.
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I think there's a couple of different,
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different things that you can do,
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but I think some of the challenges
are just bringing the awareness.
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So you think about,
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all the different courses
that you can take in class or in school.
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Right.
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And I think, of the school district
that I live in, kids can take Spanish,
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they can take French,
they can take Chinese,
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and they're all taking ways
to improve their English.
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But nobody really talks about like,
the language of money. Right.
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And I think you have to kind of
look at that and say, okay,
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what is something that these kids need
that's going to
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provide for them in the future?
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And so it's really kind
of starting that conversation.
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I think a lot of it should start at home,
but I don't know that it always
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necessarily does start at home.
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And so working with your,
your school groups or even
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whether you are a parent
or you work with an organization,
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having those conversations
at the school level,
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but being willing to go out and volunteer,
being willing to go out and teach
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those courses, or being willing to go out
and be a volunteer with an organization
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that provides that.
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I think that's, one place to start.
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I know that,
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some of
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the things that I've seen businesses
do is,
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they'll go into areas where maybe
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there are schools that have the option
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of doing financial education,
but maybe it's not a requirement.
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And so they find a way
to team up with that school.
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And maybe their incentive in the school
to do financial education in some way
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is, you know, interesting.
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50 states, only 25 have financial
education requirements, right.
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So if you're not providing
financial education
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and you're receiving funds from the state,
obviously that's not going to work.
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You have to provide the education
to get the funding right.
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But what about those other 25 states?
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And so I think, in some areas
I've seen, it's been really unique
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where organizations
will team up with school districts
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or with schools,
and they'll go in and say, look,
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we would like to provide this
and here's what we will do for you
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in table in order to for you
to allow us to come in.
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And it's not really there to push products
or to push their company,
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but they're really seeing that as a need
and wanting to give back.
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Yeah, that's really cool
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because yeah, like I said it like
at the top of the podcast of I look back,
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I don't remember having any kind of
like formal education in this,
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but some of what you had said
to have a lot of this starting at home.
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my mom used to be tend to
everything is cash right.
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Like kind of you have cash once it's
gone, it's gone, you know.
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So hold on to it.
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And still in some ways it's that way.
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And, you know, I've evolved to like
how to effectively inappropriate
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use a credit card. Right.
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I have it's not just free money
that's just out there.
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Right. Right.
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And so a lot of that stuff
is like translated really well.
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But you know, the lack of that
in a formal education, you know, setting,
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you know, not everybody was probably
as lucky as I was right to have my mom.
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Kudos to your mom for doing that.
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My mom, I won't,
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I won't tell you my age, but, like,
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I remember being younger, and you had the,
like, the toy cash register.
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Oh, yeah.
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And it had the plastic coins
and the paper bills.
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And if you were playing store, you
actually, like the money went away, right?
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if you walk into any store now
and you look at toy
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cash registers,
it's all just a piece of plastic.
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And so they're just swiping a card
and that's what we're teaching them to do
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is, hey, you just have this card
and you swipe it, but there's really
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no conversation on the back end of
where does that money come from?
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And what if you don't
pay that back? you know,
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Yeah.
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What can it lead to? Yeah.
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Very tough life lessons.
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You know, I could say from experience.
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So how so?
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How can our listeners advocate
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for financial literacy programs
in their local schools and communities?
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And what suggestions can
they share to make financial education
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more accessible and impactful
for all students?
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I would say, again, I'm going to say
reach out to your, to your schools.
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it could be something like,
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working with the librarian.
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You know, sometimes librarians
like to offer programs like that.
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at my son's school, we have a Stem
program, and and funny enough,
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one of their projects this year for fifth
grade was they had to create a concept.
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They had to figure out how to fund it.
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And then they had to sell a product.
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And so I'm like, oh,
that's something I learned in fifth grade.
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Right.
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So but that all came about
because there was a conversation
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with some of the teachers that said, hey,
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I want these kids to have real life
scenarios.
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And so, it's starting younger and younger,
I would say.
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Also just finding groups, you know, that
maybe your kids are involved in.
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Is it Boy Scouts? Is it Girl Scouts?
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Is it, heritage girls
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like all those types of things
kids are needing to earn badges for.
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I know there's a badge out there.
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for financial education.
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so I just think that some ways
that people can get started.
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And if you're super passionate
and you want to join your school board,
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that's always a great way
to start to feel wonderful.
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That's all great to hear.
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And, I really hope some of our listeners
really take that and,
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you know, reach out and kind of get
connected in the community.
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Well, thank you so much, Chris, for
sitting down and chatting with us today.
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Absolutely.
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And I think one more thing
for our listeners to take away.
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Oh love it. Call your bank. Right.
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I know
we're not the only bank that does this,
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but we would love to be the bank out there
that's having those conversations.
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so reach out.
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We've got branches
all across various states.
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We can do it in person.
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We can do it virtually.
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and we're happy to present
whether that be a school event,
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whether that be just,
you know, a like a scouting group,
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or if you're just a teacher
that's looking for ways to,
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you know, get more information
out to your own kiddos.
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just give us a call.
We're happy to set something up.
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Yeah.
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So if you're a listener and you're close
to one of our branch locations,
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give us a call, hop on to FNB. Okay.
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you could find your
closest branch location, phone number.
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and maybe we could even get you connected
with Chris, so.
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Absolutely happy to do it. Yeah.
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Thanks again. Chris. Thanks for joining.
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You're so welcome. Thanks for having me.
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So if there are any more resources
you're looking for, check out FNBO.com,
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or you can subscribe to us on YouTube
or on your favorite podcast platform.
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Consider
giving us a rating or review as they do.
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Help us get the word out.
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00:13:35,381 --> 00:13:39,718
And remember, our discussions are designed
to inform and inspire.
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For personalized advice,
we always recommend
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consulting a financial professional.
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Hopefully you choose FNBO,
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but we do recommend consulting
with a financial professional regardless.
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Until next time, keep on making smart
financial choices.
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And thanks for listening
to the Cashology podcast.
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Member FDIC Equal housing lender.
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Podcasts are for informational purposes
only and not intended to provide
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specific advice
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00:14:03,175 --> 00:14:07,012
or recommendations when making decisions
about your financial situation.
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Consult
a financial professional for advice.
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00:14:09,815 --> 00:14:14,253
Podcasts are not regularly updated
and information may become outdated.
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Deposit products are offered
by First National Bank of Omaha.
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Member FDIC.
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Investment products are not FDIC insured,
not a deposit
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or other obligation of the bank.
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00:14:23,863 --> 00:14:27,666
Not insured by any federal government
agency not guaranteed by the bank
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may lose value.
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The Cashology Podcast.
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Copyright first National Bank of Omaha.