(Feature Impact) You may have mastered the core subjects like math and grammar in school, but financial literacy – or understanding the basics of money management in order to help you make better financial decisions – often goes overlooked before adulthood. It’s not so much a course of study as it is a plan of action.

Financial literacy in the United States has remained stagnant at generally low levels for several years, according to research from TIAA Institute and the Global Financial Literacy Excellence Center, with even lower levels among Gen Z. Yet greater financial literacy – including key aspects such as goal-setting, budgeting, saving, credit management and investing – is strongly linked to better financial outcomes, including lower rates of debt constraint and financial fragility.

While emboldening yourself to understand financial terms can be a little overwhelming at first, once you have a grasp of basic concepts you can begin to get a handle on your money and make better financial decisions. Simply put: When you understand how to earn, save, spend and invest wisely, you aren’t just building a stable future for yourself, but your family and community as well.

From nonprofit partnerships to volunteer-led programs and fee online resources, Schwab and its employees help millions of people every year build the knowledge and confidence to take charge of their financial futures by serving as board members, mentors, role models and educators.

Because financial health is a lifelong journey, the earlier people learn vital money skills, the better. That’s why the financial advisory services provider develops education programs geared toward kids that continue into adulthood, helping people no matter where they are on their journeys.

Talk Money

It’s never too early to start a conversation about financial literacy. Having teens identify goals that are important to them – such as concert tickets or a first car – can kickstart coversations about money. Working with your child (and a financial advisor, if necessary) on a plan for saving to realize those goals can serve as a jumping off point. After achieving some success, their enthusiasm may grow, which is a powerful motivator to keep saving.

Support School Initiatives and Programs

Outreach programs that empower young people to make smart financial decisions is key to a bright future. Programs like Money Matters – Schwab’s flagship financial education program utilized by the Boys & Girls Clubs of America – gives young people hands-on experience with all aspects of money and investing.

This example, and others, don’t just include program funding – they build partnerships that create impact and opportunity with national collaborations that reach more than 17 million youth annually, empowering young people with the tools and confidence to make smart financial decisions for life.

Spread the Financial Love

Championing financial literacy empowers everyone – individuals, families and communities. By serving as a board member, mentor, role model or educator to help bring financial literacy to others in your community, you can supply the tools and knowledge to lead programs that focus on giving back, empowering future generations in countless ways.

To learn more about financial literacy and find resources to empower your local community, visit SchwabMoneywise.com.

Photo courtesy of Shutterstock

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SOURCE:

Charles Schwab

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

Making the Grade: How High-Impact Tutoring Builds Student Success

(Feature Impact) If your child is struggling in school, it can feel overwhelming to know how to help. Learning gaps can grow quickly, confidence can slip and what should be simple can start to feel frustrating for both students and parents. But families don’t have to solve this alone. Schools and districts play a critical role in providing the right support. One approach many schools are turning to is high-impact tutoring, also known as high-dosage tutoring.

Backed by extensive research, high-impact tutoring has emerged as one of the most effective school-based strategies for accelerating learning. Studies from EdResearch for Recoveryshow students who participate can gain the equivalent of 3-15 additional months of learning in reading and math within a single school year, making it a powerful tool for accelerating learning and closing achievement gaps.

This type of enrichment goes beyond merely homework help and is vastly different than traditional tutoring. Offered during the school day, many schools and districts across the country are starting to offer proven, structured high-impact tutoring programs by partnering with organizations like Catapult Learning, a leader in providing education solutions that generate demonstrable academic achievement and better life outcomes for students.

Consider these benefits of high-impact tutoring:

Small Group, Big Leaps

A number of factors set high-impact tutoring apart from traditional tutoring. To start, high-impact is most effective when it’s delivered during the school day (either on-site, live virtually or hybrid) in small group settings. Secondly, each session occurs up to five times per week and can be 20-45 minutes in duration. This type of small group instruction delivered with frequency and consistency isn’t just a supplement to classroom learning – it creates a pathway toward academic goals that may not have existed before.

Trusted Tutors, Real Progress

For families, finding the right tutor can feel overwhelming. Vetting private tutors, managing schedules and evaluating quality can be a time-consuming, uncertain exercise. School-based high-impact tutoring removes that guesswork. Districts partner with experienced education organizations to provide vetted, highly trained tutors, structured instructional materials and ongoing progress monitoring.

Through partnerships with school districts nationwide, Catapult Learning helps deliver structured, research-based high-impact tutoring programs that are designed to support students in reading and math, aligning with classroom goals to ensure learners of all skills and abilities receive the right support at the right time. Plus, its research-based instructional materials – combined with exemplary tutors and real-time accountability – allow families to benefit from clear insights into their child’s growth through real data and measurable outcomes.

Flexible and Accessible

High-impact tutoring has the added benefit of being flexible, accessible and less taxing on parents. Because it’s designed to be built directly into the school day, there are no extra trips, costs or added scheduling stresses for families. It’s a hassle-free way for students to get the help they need without burdening parents or caregivers.

Proven Results

The urgency for high-impact tutoring has only increased in the years following the pandemic. The widespread instructional disruptions left countless students with unfinished learning and specific skill gaps traditional classroom time can’t always address. High-impact tutoring offers a targeted way to make up for educational losses and promote equity by providing intensive, individualized instruction to the students who need it most.

Research shows high-impact tutoring is now recognized as the most effective school-based strategy for accelerating learning in reading and math for struggling students. Multiple studies confirm that well-designed tutoring programs produce measurable learning gains.

While many school districts face challenges in providing consistent, high-quality academic support due to limited capacity, staffing and resources, programs implemented by Catapult Learning have demonstrated students can achieve up to eight additional months of learning in reading or math within a single school year. In practical terms, this means students can make accelerated progress toward grade-level expectations, strengthen foundational skills and build confidence in the classroom – all within the structure of the regular school day.

As more schools adopt this approach, families can check with their district to learn whether high-impact tutoring is available. To better understand how these programs are delivered in schools, visit catapultlearning.com for additional information.

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Catapult Learning

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

Last Updated on March 16, 2026 by Daily News Staff

Celeste Kidd, University of California, Berkeley

I’m in a coffee shop when a young child dumps out his mother’s bag in search of fruit snacks. The contents spill onto the table, bench and floor. It’s a chaotic – but functional – solution to the problem.

Children have a penchant for unconventional thinking that, at first glance, can look disordered. This kind of apparently chaotic behavior served as the inspiration for developmental psychologist Jean Piaget’s best-known theory: that children construct their knowledge through experience and must pass through four sequential stages, the first two of which lack the ability to use structured logic.

Piaget remains the GOAT of developmental psychology. He fundamentally and forever changed the world’s view of children by showing that kids do not enter the world with the same conceptual building blocks as adults, but must construct them through experience. No one before or since has amassed such a catalog of quirky child behaviors that researchers even today can replicate within individual children.

While Piaget was certainly correct in observing that children engage in a host of unusual behaviors, my lab recently uncovered evidence that upends some long-standing assumptions about the limits of children’s logical capabilities that originated with his work. Our new paper in the journal Nature Human Behaviour describes how young children are capable of finding systematic solutions to complex problems without any instruction. https://www.youtube.com/embed/Qb4TPj1pxzQ?wmode=transparent&start=0 Jean Piaget describes how children of different ages tackle a sorting task, with varying success.

Putting things in order

Throughout the 1960s, Piaget observed that young children rely on clunky trial-and-error methods rather than systematic strategies when attempting to order objects according to some continuous quantitative dimension, like length. For instance, a 4-year-old child asked to organize sticks from shortest to longest will move them around randomly and usually not achieve the desired final order.

Psychologists have interpreted young children’s inefficient behavior in this kind of ordering task – what we call a seriation task – as an indicator that kids can’t use systematic strategies in problem-solving until at least age 7.

Somewhat counterintuitively, my colleagues and I found that increasing the difficulty and cognitive demands of the seriation task actually prompted young children to discover and use algorithmic solutions to solve it.

Piaget’s classic study asked children to put some visible items like wooden sticks in order by height. Huiwen Alex Yang, a psychology Ph.D. candidate who works on computational models of learning in my lab, cranked up the difficulty for our version of the task. With advice from our collaborator Bill Thompson, Yang designed a computer game that required children to use feedback clues to infer the height order of items hidden behind a wall, .

The game asked children to order bunnylike creatures from shortest to tallest by clicking on their sneakers to swap their places. The creatures only changed places if they were in the wrong order; otherwise they stayed put. Because they could only see the bunnies’ shoes and not their heights, children had to rely on logical inference rather than direct observation to solve the task. Yang tested 123 children between the ages of 4 and 10. https://www.youtube.com/embed/GlsbcE6nOxk?wmode=transparent&start=0 Researcher Huiwen Alex Yang tests 8-year-old Miro on the bunny sorting task. The bunnies are hidden behind a wall with only their sneakers visible. Miro’s selections exemplify use of selection sort, a classic efficient sorting algorithm from computer science. Kidd Lab at UC Berkeley.

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Figuring out a strategy

We found that children independently discovered and applied at least two well-known sorting algorithms. These strategies – called selection sort and shaker sort – are typically studied in computer science.

More than half the children we tested demonstrated evidence of structured algorithmic thinking, and at ages as young as 4 years old. While older kids were more likely to use algorithmic strategies, our finding contrasts with Piaget’s belief that children were incapable of this kind of systematic strategizing before 7 years of age. He thought kids needed to reach what he called the concrete operational stage of development first.

Our results suggest that children are actually capable of spontaneous logical strategy discovery much earlier when circumstances require it. In our task, a trial-and-error strategy could not work because the objects to be ordered were not directly observable; children could not rely on perceptual feedback.

Explaining our results requires a more nuanced interpretation of Piaget’s original data. While children may still favor apparently less logical solutions to problems during the first two Piagetian stages, it’s not because they are incapable of doing otherwise if the situation requires it.

A systematic approach to life

Algorithmic thinking is crucial not only in high-level math classes, but also in everyday life. Imagine that you need to bake two dozen cookies, but your go-to recipe yields only one. You could go through all the steps of making the recipe twice, washing the bowl in between, but you’d never do that because you know that would be inefficient. Instead, you’d double the ingredients and perform each step only once. Algorithmic thinking allows you to identify a systematic way of approaching the need for twice as many cookies that improves the efficiency of your baking.

Algorithmic thinking is an important capacity that’s useful to children as they learn to move and operate in the world – and we now know they have access to these abilities far earlier than psychologists had believed.

That children can engage with algorithmic thinking before formal instruction has important implications for STEM – science, technology, engineering and math –education. Caregivers and educators now need to reconsider when and how they give children the opportunity to tackle more abstract problems and concepts. Knowing that children’s minds are ready for structured problems as early as preschool means we can nurture these abilities earlier in support of stronger math and computational skills.

And have some patience next time you encounter children interacting with the world in ways that are perhaps not super convenient. As you pick up your belongings from a café floor, remember that it’s all part of how children construct their knowledge. Those seemingly chaotic kids are on their way to more obviously logical behavior soon.

Celeste Kidd, Professor of Psychology, University of California, Berkeley

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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