We The People


  • Low income Americans need more money.
  • Unbanked and Underbanked Americans need a reason to save money in an FDIC Insured Account.
  • Poor people need a higher rate of interest to encourage savings.
  • Disadvantaged small businesses need access to capital
  • Veterans of the U.S. Armed Forces need to better understand their benefits


Approximately 9.0 million U.S. households, made up of 15.6 million adults and 7.6 million children, were reportedly unbanked. The most recent survey was administered in June 2015 in partnership with the U.S. Census Bureau, collecting responses from more than 36,000 households. The survey provides estimates of the pro-portion of U.S. households that do not have an account at an insured institution, and the proportion that have an account but obtained (nonbank) alternative financial services in the past 12 months. The survey also provides insights that may inform efforts to better meet the needs of these consumers within the banking system.


Helping unbanked and underbanked Americans enter the economic mainstream poor promotes a noble thought, but as the history reveals, it’s not easy. First introduced in 1991, the Assets for Independence Act (AFIA) worked its way through several sessions of Congress, finally passing in 1998. The 105th Congress appropriated $105 million to fund IDAs over the course of 5 years. AFI was the “largest federal funder of IDA programs” awarding grants to more than 400 non-profits and government programs. More than 84,000 families received some sort of assistance from AFI through the IDA and financial education programs. Over 40% of these families have been able to “join the economic mainstream” through the purchase of assets.

It’s been more than a decade since YouthUSA CEO Stephanie A. Walker Stradford met with FDIC’s Penny King to partner on FDIC Financial Literacy.  YouthUSA’s commitment was to promote Money Smart CBI to engage YouthUSA beneficiaries across the U.S. in financial literacy.   Mrs. Stradford traveled to churches throughout the six state Atlanta Federal Reserve Region looking for low income Americans in need of Economic Inclusion.   Most of the caring adults had no clue as to what Economic Inclusion meant on Our Streets, USA.

Public confidence in the banking system stems in part from how effectively banks serve the needs of the nation’s diverse population. Accordingly, the FDIC is committed to expanding Americans’ access to safe, secure, and affordable banking services. The FDIC National Survey of Unbanked and Under – banked Households is one contribution to this end.

Effective partnerships between banking customers and their FDIC-insured financial institutions is to PAY ATTENTION!  If YouthUSA reached out to you, and you are employed by YouthUSA’s bank partner, your next step needs to be to step up.

Two years ago, officers for YouthUSA sat down with acting PNC branch manager Jesse Todisco seeking help with requirements for a federal grant application.  Jesse introduced us to Antonio Henson.  This year, YouthUSA called on Courtney Smith in Atlanta and on executives in Pittsburgh to meet the last federal deadline for submissions to the federal ASSETS FOR INDEPENDENCE (AFI) program, a resource for matching YouthUSA savings up to $8 to $1.

The federal program’s ultimate goal was to help people get themselves out of poverty by creating a habit of saving their income and using those savings to purchase an asset.  With this money, organizations fund individual development accounts (IDAs) that may help eligible participants obtain the desired assets in the future.  YouthUSA’s proprietary capacity building program, THE ANNUAL YOUTH ACHIEVEMENT AWARDS, increases “interest” in a youth beneficiary’s vision of their own future

By connecting FDIC Money Smart CBI, a Whole Village of 20 caring adults can engage as a LEARN-2-EARN community.  YouthUSA develops the small business asset discussed in AFI within its social enterprise program.  TheEnterpriZe introduces a joint venture small business owned by its member shareholders.

The latest development engages community entrepreneurs with bank employees in Virtual Business Roundtable events using Microsoft SharePoint with Skype For Business as a delivery platform.  Sessions incorporate FDIC Money Smart for Small Business (MSSB) curriculum into an actual business development process.  The process would eventually support a Prime to Small Business Mentor Protégé partnership model promoting increased community interest.

  1. Read and sign the YouthUSA Non Disclosure Agreement
  2. Subscribe at YouthUSA.net/theenterprize
  3. Co-Sponsor a monthly Virtual Business Roundtable


By sharing this page with your Facebook Friends, you step to the front of a national LEARN-2-EARN demonstration.  YouthUSA is calling on any and all Americans to reinvest in an economic beneficiary.  In 2017, YouthUSA will be offering shared ownership interest in a joint venture federal contracting firm.  Recognizing that everybody’s got to pay at some time or another, NOW IS THE TIME for all good friends to PAY ATTENTION!

The Conference Center is a virtual meeting solution provided by Youth Achievers USA Institute.  The on-line facility features document sharing, back-up email, downloadable Microsoft Office upgrades and multipoint, face to face conferencing.

Special Instructions: We have learned that Mozilla Firefox Browser produces the best Skype For Business meeting results.  You should download and install this browser before attempting to access the meeting.  CLICK HERE for the FREE MOZILLA FIREFOX Browser.


The Problem
Future Corps Approach




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