Hi! My name is Adam Berkowitz. I am a senior in high school in Atlanta, Georgia. 

I first became interested in finance in 8th grade, when my math class conducted a mock investment project. We picked a company to invest our fake money in, and I picked The Hershey Company, well, because I love chocolate. I researched the company, tracked my investments and watched it grow over the course of the semester. I found it exciting.  After that class project, I began researching and asking more questions about finance and investments. 

The importance of financial literacy for teenagers was made apparent to me when Covid began because it shined a light on the massive wealth disparity in the U.S. Everyone was forced to stay home, and it was heart wrenching to hear about the number of people that were living paycheck-to-paycheck, standing in lines at food banks, and facing potential eviction. Many people that had zero dollars saved for an emergency fund and were one paycheck away from ruin. I knew I had to do something.  I want to help people avoid the same fate that we have seen many suffer during the pandemic and the best way I know to do this is through education.

The reality is that basic money education is not taught to teens in schools, nor do they learn it at home, leading to costly mistakes by students in college and in life — such as the misuse of credit cards — which ultimately causes their credit scores to suffer, resulting in paying more fees, lack of access to lower interest rates and the inability to accumulate wealth. Moreover, the unfortunate reality is that most people will face some sort of emergency in their lifetime - sickness, a layoff etc.  Everyone needs to be prepared with an emergency fund.

My goal is to help teenagers understand personal finance, so they have a solid understanding of money management, the importance of good credit, the necessity of having an emergency fund and planning for retirement as they enter the world of responsibility.

I created this website because I am committed to bridging the wealth gap through financial education. I will use this platform to share this fundamental financial education with other teens, so that when you enter the real world, you have a solid foundation to take your first steps.