FRESNO, Calif. (KFSN) — It’s never too early to think about your financial future — a message the Academy of Financial Education is driving home.

“What makes our program a little more unique is behavioral finance,” says Samuel Molinca, Academy of Financial Education CEO. “We want to help people understand where their behaviors come from.”

Comprised of 12 classes for youth and adults, the financial literacy program introduces key personal finance concepts.

“We always talk about how to grow your money — it’s so fun and exciting, but you also have to protect it,” Molina said.

Molina says more often than not, a person’s financial decisions are based on ways a person’s parents handled money.

Once financial behavior is determined, the course moves to aligning values and goals surrounding money.

Molina says financial experiences can happen at a young age.

He says consider including your child in tax and financial planning meetings.

“Even as young as four or five, my mom took me to the bank, set me up with a savings account, and of course, I didn’t know then that was setting me up for success,” Molina said.

The course also includes investment planning and cryptocurrency.

For more information on the program, click here.

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