In today’s complicated financial world, it is increasingly important for low income youth and adults to develop successful financial skills. Learning the fundamentals of earning an income budgeting and saving and understanding the implications of debt and avoiding the pitfalls of unscrupulous lenders and other scams will help students gain a solid financial footing.

To address this issue, High Water Women joined forces with financial industry legend Muriel Siebert in 2009 to launch the Muriel Siebert High Water Women Campaign for Financial Literacy. Since 2009, more than 9000 low income New Yorkers and 400 volunteers have participated in the program.

  • Volunteer instructors teach low-income teens the skills necessary to manage money responsibly and lay the groundwork for a more secure financial future.
  • The curriculum, developed by the Siebert Foundation, is for youth ages 13-21, and is taught by HWW volunteers in eight weekly sessions in after-school and community-based settings.
  • The program depends on funding from individuals, corporate and foundation supporters. Support financial literacy.
  • For more information contact

HWW Program Partners

    New York City Department of Youth and Community Development (DYCD)
  • Cornerstone, Neighborhood Development Area and after-school program providers
  • NYC  Summer Youth Employment Program
    New York  Public Library (NYPL)
  • Library branches offering teen programming citywide
    Nonprofit organizations (with a focus on enriched educational opportunities for low-income youth)
  • Partnership with Children
  • Good Shepherd Services
  • W!se Institute
  • Friends of the Children
  • Sunnyside Community Services
  • New Alternatives for Children
  • Forestdale

2017 Program Sites

Betances Cornerstone Program; BronxWorks; Brooklyn College Academy; Chinese American Planning Council; College Success Program; Columbus Library;  Crotona Academy; FEDCAP; Forestdale; Good Shepherd Services; Groundswell Summer Program; HS of Economics and Finance; Hispanic Family Services; Info Tech High School; Jacob Riis Cornerstone Program; NYC Summer Youth Employment Program; Ravenswood Cornerstone; Riis Academy Queensbridge Teen Program; Sunnyside Community Services; The New Jewish Home; Turning Point Brooklyn's Education Center; Urban Assembly; W!SE; Women In Need; Women's Prison Association.



In 2012, HWW produced a short video about a group of students at Betances Community Center in the South Bronx who participated in the financial literacy program. Here’s what they have to say. Go to film


The Curriculum

The Siebert Foundation provides two program curricula created for middle and high school students. The topics covered in the curricular include the following:

  • Decision making, opportunity costs, wants and needs, income and jobs
  • Budgeting and goal setting
  • Banks and banking
  • Types of credit and using  credit cards
  • Credit history and reports
  • Saving and Investing
  • Protecting your assets
  • Understanding taxes

High Water Women Salutes the Supporters of Financial Literacy

  • Marble Collegiate Church
  • The Muriel Siebert Foundation
  • Hunt Lane Capital