I wholeheartedly endorse the FutureProfits program and curriculum. Providing students with the tools that empower them to make wise life decisions, especially in the areas of education, career and money, is critical to helping young people break out of negative, destructive cycles and rise above poverty and oppression. We have needed FutureProfits with it’s emphasis on Life Economics for a long time and now it is here.”

– DR. JOHN PERKINSFounder, John M. Perkins Foundation for Reconciliation and Development; CCDA Chairman Emeritus

Written by NORTHERN CALIFORNIA URBAN DEVELOPMENTA Publication of the CHRISTIAN COMMUNITY DEVELOPMENT ASSOCIATION

Empowering Youth to Make Wise Decisions About Life and Money

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The 24 lessons of FutureProfits provide us with extraordinary tools to bring young Hispanics out of the limited world of a cash society—with expensive check-cashing and loan shark services—to a broader world of financial institutions and life decision-making skills! I highly recommend this curriculum that empowers young Hispanics to be personally more successful and a greater blessing to our nation.”

The Life Economics approach teaches skills after listening to the hearts and minds of students, and lessons are designed to let each student know they have potential to manage and even prosper as entrepreneurs if given the tools and proper guidance. It’s great material!”

FutureProfits embodies and addresses the age old adage that ‘an ounce of prevention is worth a pound of cure’ as it relates to financial forethought and skillful living. As an educator, I highly recommend this book to anyone who desires and seeks character formation for financial wisdom and autonomy for the youth of this generation.”

This may be the most important learning kids get while with us at Sequoia [High School].”

– JUAN HERNANDEZ, Ph.DFounder, Center for US-Mexico Studies at The University of Texas, Dallas Author, The New American Pioneers

– RENÉ ROCHESTER, M.Ed, Ed.DFounder and CEO, Urban S.E.T. Inc. (Strengthening Educating and Training), PHAT STAR™ Learning

– LUIS A. CARLO, Ed.D, D.MinDean, Alliance Theological SeminaryNew York City, NY

– BONNIE HANSENPrincipal, Sequoia High SchoolRedwood City, CA

In 1989, Dr. John Perkins called together a group of Christian leaders who were bonded by one significant commitment – mobilizing the churches of our nation to get fully engaged in the work of restoring under-resourced communities, not at arms length, but at a grass-roots level. The mission of CCDA is to inspire, train and connect our members, equipping them to engage in the rebuilding of their communities, turning them from places of

devastation into places of hope.

Northern California Urban Development (NCUD) was established in East Palo Alto, California, in 2005 with the mission of transforming urban communities through economic empowerment and community development. NCUD fosters initiatives that encourage economic and leadership development, financial literacy and life skills education, and home ownership education.

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Welcome to the next level in financial literacy training, designed to reach the emerging generation of youth in today’s media-driven economy.

The FutureProfits curriculum blends essential life skills along with traditional financial literacy subjects, such as budgeting and banking, and also gives an in-depth look at topics including:

• Understanding predatory lending schemes• How money circulates in urban communities • Race, class, and power structures in our society• How goal setting and decisions affect your future• The benefits of delayed vs. instant gratification

This whole-person approach to financial literacy, called Life Economics, is designed to give students the tools to succeed in an economic system that a significant portion of youth is unprepared to navigate. FutureProfits empowers students with the tools to break the chains of poverty, giving them the resources to determine their destiny and impact their community.

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