From Financial Anxiety
America built national systems for power, education, and emergency care — but when it comes to wealth-building and financial identity, we left it to chance.
They graduate with no financial identity. Over 50% of Black and Latino students leave high school without a bank account. One in three Black youth aged 18-24 have no credit file at all.
A diploma, but no financial footprint.
Students with less than $200 in savings are 75% less likely to attend college and 4x less likely to own stock. Budgeting, saving, and investing behaviors are never activated in real life.
Exposure, but no ownership.
The window closes fast. Title I students are overrepresented in low-wage pathways and underrepresented in asset-building careers. Schools don't track if students are employed. Employers don't know if students are hire-ready.
Inputs, but no upward trajectory.
No bank account
No credit identity
No investing behavior
No income-generating plan
No Wealth Plan
No Career Launch Plan
A transcript, but no financial footprint.
This isn't just a learning gap — it's missing infrastructure.
NexGen Wealth OS is the civic infrastructure that connects youth → schools → employers → financial systems → policy outcomes.
The Wealth Operating System students need — before it's too late.
Unlike point solutions that leave students with isolated lessons, NexGen connects learning to action across the entire wealth-building journey.
Learn money through your identity — culture, passion, and story. Master compound interest through music royalties, budgeting through sports. Students using identity-based education are 3× more likely to save regularly and 2× more likely to set long-term goals.
Match purpose to payoff. Connect passions to career paths with real salary data and wealth potential. Turn earning into ownership. 89% of students say career clarity lowers stress and increases motivation.
Manage money with confidence — not shame. Budget, save, and build wealth without fear or jargon. Automates savings and coaches wealth-building habits. Students with just $500 in savings are 4× more likely to invest and 3× more likely to attend college.
Unlock hidden aid for a debt-free launch. Plain-language guidance to uncover scholarships, optimize submissions, and reduce student debt. Over $3.75 billion in aid goes unclaimed yearly.
NexGen's Certified Wealth Plan™ transforms anxiety into action — and uncertainty into a launch-ready financial identity.
Every student graduates with a personalized roadmap that integrates saving, investing, credit-building, and career ROI — powered by emotionally intelligent AI and rooted in their values.
Because a diploma is no longer enough. They need a Wealth Plan.
Students define what wealth means to them — freedom, dignity, legacy — and anchor their financial journey in purpose, not pressure.
Emotionally intelligent AI creates personalized savings plans with weekly nudges, behavioral rewards, and milestone forecasting — all rooted in dignity, not shame.
Side-by-side simulations of lifetime earnings and degree costs help students align purpose with payoff — before they borrow.
By graduation, students have made their first real investment, learned how to build a portfolio, and mastered the basics of ownership.
Ready by graduation. Powered by identity. Built for dignity.
10 Pilots Partners
|2 Universities
|5,000+ Students
|$130K+ Commitments
“NexGen Wealth will be a game changer for Memphis and a key driver of our economic mobility. This is the type of innovation that ensures our young people are not just prepared for careers, but equipped to build wealth, create legacy and thrive.”
City of Memphis
Be among the first schools to bring comprehensive wealth education to your students. Join our pre-launch interest list to secure early access and shape the future of financial literacy in education.
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