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Community Engagement

Money & Me

Hofstra University's Frank G. Zarb School of Business and the School of Education, Health and Human Services partners with Capital One Bank for this program designed to bring financial literacy into the classroom. Undergraduate and graduate Hofstra University students offer instruction to fourth graders about personal money management skills.

The interactive curriculum incorporates mathematics and ELA concepts, as well as practical applications, in every lesson. The curriculum consists of approximately 12 lessons, with one lesson presented each week.

The Money & Me program also offers parent workshops for participating districts. The goal of the parent workshops is to provide parents with information about integrating financial literacy habits into family life. Working with school administrators and parent leaders, two workshops will be offered at each school. Topics range from maintaining good credit to saving for education.


"This program is a great opportunity for our local fourth graders who might not otherwise learn the importance of financial literacy and money management. It also allows Hofstra undergraduate and graduate students to give back to the surrounding communities and show the elementary students the importance of a good education."

  • Associate Dean of the Frank G. Zarb School of Business Gioia Bales

"Capital One Bank is proud to partner with Hofstra University to launch the Money & Me program for local youth on Long Island. At Capital One Bank, we believe that financial literacy and money management skills are crucial building blocks for economic success. We invest in financial literacy programs to set individuals of all ages on the path to a life of fiscal responsibility and economic self-reliance."

  • Market President, Nassau County, Capital One Andrew Corrado
Capital One Bank

Contact Us
Program Coordinators

Gioia Bales
Associate Dean and Professor of Finance
Frank G. Zarb School of Business
Hofstra University

Marsha Iverson
Associate Professor of Teaching, Literacy and Leadership
School of Education, Health and Human Services
Hofstra University


Wants vs. Needs: Students learn to differentiate between wants and needs, discover how money is spent, and understand the consequences of poor spending habits.

Savings Accounts: Students gain an understanding of the differences between types of savings accounts, and develop the skills necessary to maintain accounts. The importance of saving and "Paying Yourself First" is stressed.

Sources of Income and Expenses: Students are introduced to the concept of earnings and how these funds are allocated to living expenses.

Budgets: Students learn how to create a budget, which carefully plans for future saving and spending.

Checking Accounts: Students develop the skills necessary to maintain checking accounts, including writing checks, reconciliation of checking accounts and using ATMs. The dangers of identity theft are also covered.

Credit and Debit Cards: Students learn about responsible use of credit and debit cards and the implications of poor practices. The benefits of establishing strong credit ratings are also discussed.

Virtual Savings Account

Each class has a virtual savings account. Throughout the program, the class earns "money", which is deposited into this account.

  • These virtual savings accounts earn interest, reinforcing the benefits of savings versus spending.
  • Two class bank tellers are appointed for each lesson. They are responsible for counting the money earned and depositing funds into the virtual savings account.
  • The class will withdraw virtual money from their savings accounts to purchase program rewards.

Mathematics and ELA Classroom Connections

Classroom teachers are provided with activities after each lesson that include both mathematics and ELA concepts. These activities can be integrated into the classroom lessons to support connections to the common core standards.