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Here is what we've learned.

Making smart money and related life choices is difficult.

It requires a solution that is:

  • • Holistic
  • • Personalized
  • • Comprehensive

 

Current approaches only get you to the starting line by addressing single topics like:

  1. • Financial Literacy
  2. • Budgeting
  3. • Credit Repair

 

Lewis Mandell a founder of the modern day financial literacy movement states, “The financial literacy movement has made little progress.”

We’ve applied the science of neuro-behavioral finance to our The E3 Solution.

E3 Difference

In the latest study conducted by the Consumer Financial Protection Bureau, 670 million dollars annually are currently being spent in the area of financial literacy. With over 800 financial literacy curriculums in the marketplace: there is very little difference between most of the offerings being promoted.  In an article written in the Jan/Feb 2014 issue of Pacific Standard, Lewis Mandell, a founder of the modern financial literacy movement states, “The financial literacy movement has made little progress.”


Our 8 years of research has confirmed Mandell’s conclusion as well. We have also discovered that educational access alone does little to motivate and improve an individual’s grasp and application of those newly learned concepts. In order for a person to redirect the course of their life, they must have a compelling reason to do so. For new information to become integrated into one’s life, individuals must establish concrete reasons “why” this new information will benefit them. SpendSmart helps people to find a compelling reason to redirect the course of their life and then works with them until they reach their goal.


SpendSmart.org understands that making smart "life" and "money" choices is a complex issue that requires a comprehensive, holistic, and personalized solution; The SpendSmart solution has revolutionized and set the standard of excellence for products, tools, and services offered to the unbanked, underbanked, and under credited communities. SpendSmart is at the forefront of the science of neuro-behavioral finance taking into account each person's unique financial temperament while we assess the impact of their expectations, life experiences, education, and environment. We also address the role that faith plays in the way that financial decisions and key life choices are made.

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