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Futures is Treasurer Janet Cowell's financial education initiative, focusing on North Carolina students of all ages, from pre-K to retirement.  Our goal is to help every North Carolina student learn, invest, grow, and prosper!

You're never too young or too old to learn solid financial principles!  Let's start building a brighter tomorrow today!​

Asset Building

There are many ways to build assets but they all have one premise: saving.  To build assets you need to make more than you spend, and then invest the difference wisely.  Establishing a budget and saving goals may provide some motivation.  Consider having both short-term goals to save for a vacation or a big purchase, and long-term savings goals, such as home purchases, a new car, or retirement.

View home ownership resources
View foreclosure prevention resources
View additional financial education resources

Understanding Credit

What is credit?  How does it work?  These are things you need to know when establishing or improving your credit. Credit is a loan and must be repaid with interest to the debtor in the form of an annual percentage rate (APR).  Your APR can be influenced by your credit history and other factors.  Credit, if used responsibly, can present many opportunities, while misused it can also limit these opportunities. 

View "Know Your Credit" resources

Debt Management

At some point most people will have to deal with debt. It generally starts off with smaller bills like credit card debt, then student loans, mortgages and additional lines of credit. Debt can follow you throughout your life and impact the cost of your credit and your credit worthiness.  Understanding your debt can be half the battle in managing and paying down debt.

View consumer debt resources
View additional financial education resources

Retirement Readiness

Thanks to modern medicine, people are living longer and enjoying a longer retirement. This makes understanding and planning for your retirement more important than ever.  Generally speaking, you need to replace 80 percent of you current income to support your retirement.  This may require some education, planning, and professional assistance.

Download Commit to Save for Retirement! tips
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Commit to Save for Retirement!

Did you know that according to a recent study, 6 out of 10 baby boomers feel unprepared for retirement?  No matter how you plan to spend your retirement, make sure you're ready.  Have an outcome in mind, plan to cover essential living expenses, factor in health care expenses, and adjust your investment strategy and thinking.  Download more Commit to Save for Retirement! tips

Commit to Save for College!

Did you know that according to a 2012 U.S. Census Bureau report, on average, individuals with a four-year degree earned 85% more annually than those without a college degree?  Saving a little today can help make higher education a reality.  Start saving early and regularly, recognize the benefits of higher education, open a 529 college savings plan.  

Kids and Money

It's never too early to learn solid financial practices.  There are many opportunities for parents to discuss spending money responsibly with children including managing money, using credit cards, paying down debt, and personal banking.  


Treasurer Cowell Celebrates Financial Literacy Month at Wake County Elementary School

North Carolina Treasurer Janet Cowell recently visited Banks Road Elementary School in Wake County as part of her year-long focus on lifelong financial education.  Cowell read the story of Patches the Pig, a pink piggy bank, to help explain the importance of saving money and offer tips on smart financial habits for children.  

Patches the Pig was written by Banks Road student Payton Waller, then 7, to help kick-start excitement and understanding about the importance of saving your pennies from a very early age.  At the event, Cowell also presented Payton a certificate of achievement for her creativity in financial education.

"It's never too early for children to begin learning good spending and saving practices," Cowell said.  "Patches the Pig teaches young people an important lesson to carry throughout life: save a little, spend a little, and invest a little."  

In addition, Cowell interacted with students and had them describe financial education "In their Own Words". View the event summary and photos

View a short video of North Carolina students of all ages describing financial literacy "In their Own Words."   
View the video in the window below or on YouTube.​​