Mission Statement

FMA gives teens a chance to dream big and achieve their goals. We support innovative personal finance, career discovery and postsecondary planning programs. FMA provides instructor training and community engagement through community collaboration.


Personal financial literacy offered over forty years in American high schools has failed to produce any measurable long-term outcomes. The evidence – Americans spend more than they make, save little for their future and have no money set aside for emergencies.

That said, through FMA, we have created the perfect platform for teaching teens to utilize education to develop and execute a plan for their future to achieve socio-economic transformation.

Since 1980, Ken and Lorraine Decker, publishers of the Real Life Financial Math high school curriculum and founders of FMA, have conducted employer-sponsored personal financial planning workshops and counseling to tens of thousands of adults.  Since 2006,  more than twelve hundred Houston area Title I high school students attended FMA’s award-winning, personal financial education foundation course, the Game of Real Life.  In a longitudinal study of the first 358 sophomores who attended the Game from 2007 to 2010, one hundred percent graduated from high school, 98 percent attended college and 91.6 percent graduated from college.

FMA takes students beyond personal financial literacy. It transforms personal financial literacy into a thinking, planning, motivational program that serves as the foundation for socio-economic change for the students, their families and communities. For a copy of the research report, please contact Lorraine@Financialmentors.org

Help us transform personal financial literacy and impact the life of Texas teens. Give every student a chance to dream big and achieve their goals.