Apr 29, 2022

NGPF Podcast: Panel Discussion on Increasing Access to Financial Education With Dr. Carly Urban, Florida Rep. Demi Busatta Cabrera and Personal Finance teacher Jen Lehmann


Does personal finance education work? Is access to personal finance courses increasing or decreasing? How did the Florida legislature get behind a bill that guaranteed all HS students would take a personal finance course? How can teachers advocate for financial education in their school community? Get answers to these questions and more in this special podcast led by NGPF's Christian Sherrill. He's joined by Dr. Carly Urban, Associate Professor of Economics at Montana State University, Representative Demi Busatta Cabrera, a member of the Florida House of Representatives, and Jen Lehmann, the Chairperson of Business and Technology at Frank Carey High School in Frank Carey New York. Enjoy! 


  • 0:00~2:01 Introduction
  • 2:01~20:57 Dr. Carly Urban
    • 2:01~3:10 Dr. Urban’s background
    • 3:10~3:58 Insights from the report
    • 3:58~7:10 Does personal finance education work?
    • 7:10~11:37 The state of financial education
    • 11:37~12:43 Inequity in access to personal finance education
    • 12:43~14:16 The cost of a personal finance graduation requirement 
    • 14:16~16:01 Grants for implementing personal finance education
    • 16:01~20:57 Potential impact of federal funding
  • 20:57~21:24 A word from NGPF
  • 21:24~48:47 Panel Discussion with Dr. Carly Urban, Rep. Demi Busatta Cabrera, and Jen Lehmann
    • 21:24~23:32 Introduction of the panelists
    • 23:32~28:30 How the Florida legislation came to fruition
    • 28:30~31:05 Implementing a personal finance class 
    • 31:05~34:03 Future research on equity
    • 34:03~36:04 Impacts on graduation rates
    • 36:04~38:00 What does implementation look like in a large school district?
    • 38:00~41:29 Advice for when pitching ideas to lawmakers 
    • 41:29~46:00 If you could resolve one misconception about your work, what would it be?
    • 46:00~48:47 How researchers can use insights from the report
  • 48:47~50:01 Conclusion

About the Authors

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

Christian Sherrill

Former teacher, forever financial education nerd. As NGPF's Director of Growth & Advocacy, Christian is laser-focused on our mission to guarantee all students a rigorous personal finance course before crossing the high school graduation stage. Having paid down over $40k in student loans in the span of 3 years - while living in the Bay Area on an entry level teacher's salary - he's eager to help the next generation avoid financial pitfalls one semester at a time.

Ren Makino

Ren started interning at NGPF in 2014, and worked part-time through high school and college. With his knowledge growing alongside NGPF, he joined the team to work full-time after graduating from college in 2020. He is also the producer of the NGPF podcast. During his free time, he likes to try out coffees from different roasters across the world.

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