It’s so easy for young adults to fall into financial traps, and poor decisions about money can take decades to fix. Learning to manage their personal finances now means that students will be prepared when the time comes to set financial goals, follow best practices, and prevent and protect themselves against fraud and financial abuse. Understanding the fundamentals of budgeting, saving, debt, and investing is critical in every part of life, and students require the knowledge and skills for making sound financial decisions, engaging in good saving habits, budgeting, and building a solid credit score.
In high school, students need to develop an understanding of responsible financial management as they prepare for their transition to postsecondary education and enter the workforce. In an information-based economy, higher literacy and numeracy skills are associated with greater employment levels and higher earnings. The earlier we start, the more good habits we create.
In 2020, the internet became a lifeline for many Canadians— it was where they worked, studied, stayed in touch with friends and family, and increasingly where they shopped. According to a 2014 study,Young Canadians in a Wired World, Canadian youth are making better judgement calls when it comes to protecting their online identities; however, they lack understanding in key areas of online privacy. Young adults spend a lot of time online where they are the frequent target of financial scams, such as merchandise fraud(marketing counterfeit goods) and invitations to invest in “great opportunities” (Ponzi schemes). It’s important for them to learn to protect themselves from financial scams and to be more aware of suchtraps.
Acquiring financial literacy can present many unique challenges for young adults with learning disabilities—including ADHD—who often face barriers to financial literacy.This program is especially helpful to individuals who are transitioning to postsecondary education and/or students with ADHD who may find managing finances particularly difficult due to challenges with procrastination, disorganization, and impulsivity. Evoke’s financial literacy curriculum includes examples, scaffolding, and multiple strategies for teaching financial literacy concepts in diverse formats and modalities.
Evoke’s financial literacy program will teach young adults to:
Evoke’s financial literacy program is delivered over 8 to 10 sessions, depending on the needs and goals of the student. As the program is delivered one-to-one and online, flexibility is offered in terms of the length of sessions and when they are delivered.
Students will be provided with access to additional resources to help them make financial literacy choices, budget and plan, review their credit score, invest, save, and more! Some of these resources include apps that are helpful for managing finances.
Students can participate in Evoke’s financial literacy program during the school year: however, some choose to engage in the program over the summer months, when school is finished. While it is always recommended to start sooner rather than later, some students choose to incorporate the skills into their overall plan to transition into the workforce, save for their postsecondary education, or transition to college or university.
As young adults transition into adulthood, the consequences of any kind of reckless spending habits can become more severe. ADHD touches every part of a person’s life, from school to relationships and financial health. Adults with ADHD are more likely to go into debt, impulsively spend, live paycheque to paycheque, and argue about money with their partner. ADHD is often accompanied by a lack of long-term planning and saving up, which can be extremely hard for people with ADHD because they expect big results right away. Lack of impulse control is one of the main characteristics of ADHD and adults with ADHD are far more likely to engage in risky financial behaviour. Impulsivity impacts financially struggling adults with ADHD the most and this can have a negative impact on both their emotional and physical well-being. Early intervention and learning can improve financial independenceand better money management for young adults with ADHD as they mature.
Absolutely! The leap from high school into young adulthood can be challenging for neurodiverse learners. Research tells us that individuals with ADHD can experience a three to five-year delay in brain maturation and executive function skills. This means they may not be developmentally ready to meet the demands of this transition, which may feel overwhelming. There is no one-size-fits-all approach to life at any age. All young adults benefit from financial literacy and although they may not be clear on what they would like to do in the immediate future, taking the time to think through what engages them, while at the same time establishing some personal and financial goals,will only benefit them in the long run.
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My son was diagnosed with ADHD-Combined, and we were very fortunate to discover Evoke Learning. Over the past 1.5 years, Evoke Learning has been instrumental in helping my... read more
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I had the chance to work with Richard this year on improving my learning skills and over that time I've become a different person with a completely different mindset on... read more
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I feel so much gratitude for the services of Evoke Learning. Our child developed reading skills during our time with Evoke which was a huge milestone. Dollar for... read more
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Kate is quite possibly the most helpful person I have worked with in the 20+ years of managing my ADHD. She is down to earth, intelligent, compassionate and truly incredible... read more
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Our daughter has learning disabilities and ADHD. When she began having difficulties during university, Kate Lloyd was recommended. Kate’s counselling was excellent and enabled our daughter to graduate... read more
I have been working with Evoke Learning for my ADHD for about five years. Before I started working with my tutor I was having a lot of difficulties at school... read more
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****5 STARS HANDS DOWN!!!!**** Kate Lloyd, the owner of Evoke Learning- is one of the most amazing and outstanding human beings that I have ever met in my life.... read more
It is difficult to sum up how much Evoke’s services have helped me to reach my goals and realize my full potential at university and beyond. From my in-person coaching... read more
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My daughter has been with Evoke Learning and with the academic coaching program for two years. In that time, I can say that she’s really become much stronger in her... read more
Great coaching services for students with ADHD and/or executive function deficits. Denise is organized, structured and holds her clients accountable for their 'homework'. I highly recommend Evoke to parents who... read more
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