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Earn Your Future:

From idea to impact

​In 2012, PwC LLP launched Earn Your Future (EYF), a five-year, $160 million commitment focused on helping students develop critical financial skills and providing educators with resources and training to teach those skills. In April 2015, PwC extended EYF by an additional $30 million, increasing its overall commitment to $190 million. This increase supports new research and expanded professional development opportunities for educators and gives greater reach to organizations that are revolutionizing the field.

PwC and the PwC Charitable Foundation, Inc. each play a significant role in advancing financial capability in the marketplace. Through firm contributions, the skills and time of our 46,000 people, and grant investments from the PwC Charitable Foundation, we are positioned to impact 2.5 million students and educators.

As we approach the end of our five year commitment, we have exceeded our goal for students and educators impacted and are poised to meet our goals for volunteer hours and dollar investment.

Where we are

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Number: 4,569,000
Reached 4,569,000 students and educators with educational tools, resources and training.
Number: 1,065,342
Donated 1,065,342 hours of our people’s time to youth to advance financial capability in communities.
Number: 110,114,894
Invested $110,114,894 in helping students develop critical financial skills and providing educators with the resources and training to teach those and other life skills.

Where we are going

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What's next?

EYF is more than a 5 year commitment. It’s about changing the course of our future by equipping students and teachers with the financial capabilities and life skills that lead to sounder decision making and ultimately create a more resilient economy. In the next two, five and ten years, we will continue to invest in innovative ideas that drive systemic change. How exactly? By taking risks, falling forward, and scaling what works.

Where we have been

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Setting the bar

Announcing our commitment to youth education, with a focus on building financial capability, was a big step for us as a firm – we took a stand around a specific cause. At the onset, our approach was heavily focused on the numbers: How many people can we get into classrooms? How many hours can we teach? How many children and educators can we reach? Even though we weren’t sure how it was going to be done, we had set the bar high, and we believed our people would rally around the mission.


1M service hours
2.5M students/ educators
$60M financial investment
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Where it all started

For us, it started in Belize in 2007, where we piloted teaching financial education and entrepreneurship for the first time. It gave us the opportunity, on a small scale, to see how our curriculum worked and helped inform our approach in the US. Each year, we return to schools in Belize and are reminded of the impact we can have when we are invested in a community for the long-term.
Number: 8,500
Students impacted since 2007

“I learned at the financial literacy camp how to save and invest in materials.”

Maianda, young entrepreneur

Milestone, June 2012
EYF, one of the broadest company-led commitments to advance financial capability in the US, is announced at the Clinton Global Initiative.
Pie chart on paper icon 78% of educators say they need more appropriate curriculum to teach financial education.
Milestone, September 2012
PwC's financial literacy curriculum, which includes 22 modules for grades 3-12, is made available.
Piggy bank icon 67% of educators would like more professional development for teaching financial education
Milestone, September 2012
First Knowledge@Wharton seminar is held with 150 teachers in attendance.
Building on our knowledge that teachers play a pivotal role in a student's learning, we collaborated with Knowledge@Wharton High School to provide continuing education opportunities to teachers, better equipping them to bring financial education and, as a result, life skills to their classrooms. They returned to their classrooms equipped with lessons that enable students to realize a future of prosperity, regardless of the career path they choose.
Pie chart on paper icon 46% of teens do not know how to create a budget, and nearly 50% of teens are unsure of how to use a credit card effectively.
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Does financial education make a difference?

After three states (Georgia, Idaho and Texas) implemented a financial education mandate, they saw significant increases in credit scores and lower delinquency rates on credit accounts.
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Designing for scale

Continuing with our collaboration with Knowledge@Wharton High School, differentiating programs with and numerous local schools and non-profits, we updated and added to our suite of financial education modules, found ways to propel innovative ideas forward and expanded our work with Knowledge@Wharton to convene more teachers on both sides of the country. We were learning quickly and adapting even faster.

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Starting the conversation

PwC hosts a conversation on financial capability where we are joined by representatives from the government, nonprofits and minority-focused organizations to discuss challenges underserved communities face.

We learned:
Stack of coins and mortar board icon There is a pronounced need for financial education
Pie chart on paper icon Conversations are best started at a young age
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Milestone, August 2013
Our financial literacy curriculum is made available in four languages.
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Milestone, September 2013
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PwC and Junior Achievement USA launch JA Build Your Future, a mobile app that helps students consider and plan for costs associated with college and career readiness.
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Amplifying the possibilities

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Each year, we reached more students and teachers in more cities, but it became clear early in our journey that we needed to think beyond numbers to make an indelible impact. Along with students and teachers reached, we needed to think about the sound decision making we can help students develop. Along with volunteer hours spent, we needed to think about connecting with students beyond the physical reach of our people. It’s no small task, but one thing was certain – showing up in a classroom is no longer enough.

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Teaming with like MINDs

Financial education is not an issue we can tackle alone, and we are constantly looking for organizations to join us in creating solutions. The PwC Charitable Foundation made a grant to the MIND Research Institute to teach financial concepts through MIND’s proven game-based approach that uses mathematical models to answer financial questions, leading to sound financial decision-making.
Milestone, October 2014
Launched the Online Assessment Center with the Council for Economic Education, where teachers can administer assessments, access data, and measure student performance.
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Reaching more students by engaging more educators

We hosted five Knowledge@Wharton High School seminars by the end of 2014, with each reaching 100-150 educators. Educators not only left the experience inspired, but carried the energy back to their colleagues and students. We added podcasts and cities to reach more teachers. 90% of educators who completed the seminar consistently reported that it boosted their comfort level with teaching financial literacy and business integrity.
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“Financial literacy is critical to the economic success of families and communities.”

Shannon Schuyler

PwC Chief Purpose Officer and US Corporate Responsibility Leader
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Measuring our success

With the momentum built and Earn Your Future in motion, we knew measuring our efforts was critical to success. We dedicated more resources to program evaluation and data analytics. As our experience deepened, we shared our insights with other PwC territories around the globe, clients and nonprofit collaborators to broaden our impact and create more solutions. We transitioned from a member of the community to a leader in the space.
Milestone, January 2015
The first issue of TIME for Kids - Your $ is released, a financial education magazine for fourth, fifth and sixth graders sponsored by the PwC Charitable Foundation.
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Learning is a two way street

Research informs and helps us make better decisions. Both on our own and through collaboration with external experts, we published several articles, with topics including millennials and college planning, millennials’ struggle with financial literacy, leveraging technology in education and measuring business investments in education. From this work, we learned more about the landscape, how the emerging world will play a role and what it means to innovate.
Money icon 92% of teachers agree that financial education should happen at school and at home.
Milestone, April 2015
EYF is expanded to $190M to support new research, expand training for teachers and invest in organizations that are revolutionizing the field of financial education.

Increased commitment

1M service hours
2.5M students/ educators
$90M financial investment
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Answering the call

The President's Advisory Council on Financial Capability for Young Americans approached PwC for support in deploying the Personal Finance Educator Micro-Credential Project, which tests the hypothesis that if teachers become more confident with personal finance topics, and better understand effective strategies for teaching these topics, they will be more competent in teaching them to students.
Milestone, August 2015
PwC's financial literacy curriculum expanded to include 30 modules.
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Encouraging innovative instruction

In collaboration with, the PwC Charitable Foundation supported an Innovation Challenge and Classroom Rewards program to encourage teachers to think creatively about how they bring financial literacy to life in their classrooms and to teach our Earn Your Future curriculum.
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Solving for the future

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The first four years of EYF showed us that solving important problems does not have a simple or easy answer. It requires disruptive ideas, thoughtful solutions and an evolving approach. With the launch of a world-class online curriculum, we are broadening our reach and further supporting those that need it most. Our latest resources help students not only develop financial acumen but challenge them to prepare for the jobs of tomorrow that don’t exist today, the skills needed for those jobs and the social issues to be solved through their talents.
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EYF Digital Lab

The Earn Your Future Digital Lab, an investment from the PwC Charitable Foundation, includes 22 interactive online modules on financial education designed for learners at beginner (elementary), intermediate (middle) and advanced (high school and adult learners) levels. Students learn financial fundamentals through innovative digital self-paced lessons featuring custom videos, animations and interactive activities.

Join us on our EYF journey.

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