Family
New Survey Shows a Third of Teens Believe They won’t be Financially Independent by the Age of 30
MILWAUKEE COURIER — A survey released by Junior Achievement and Citizens Bank states that 63 percent of teens don’t believe they will be financially independent from their parents by the age of 30.
By Rhea Riley
A survey released by Junior Achievement and Citizens Bank states that 63 percent of teens don’t believe they will be financially independent from their parents by the age of 30.
The survey was conducted by Wakefield Research on 1,000 teens between the ages of 13 to 18 who are not enrolled in college. Teens were invited to take the survey via email between March 1– 8 of this year. The survey was released to coincide with April as it is the national financial literacy month.
“These survey findings show a disconcerting lack of confidence among teens when it comes to achieving financial goals,” said Michael Frohna, president of Junior Achievement of Wisconsin. “With a strong economy, you would think teens would be more optimistic. It just demonstrates the importance of working with young people to help them better understand financial concepts and gain confidence in their ability to manage their financial futures.”
Junior Achievement is a worldwide organization dedicated to educating youths on making successful academic and economic choices for their futures. Through corporate and community volunteers, the nonprofit organization programs reach an estimated 4.8 million students a year in the United States and 5.2 million worldwide. Of these locations, Junior Achievement has programs with 4,000 different classrooms at 380 different schools across the metropolitan Milwaukee area.
The organization’s programs focus on three pillars, career readiness, entrepreneurship and financial literacy.
As a nonprofit, Junior Achievement conducts frequent surveys and evaluations to assess their impact. The results of these surveys and evaluations are crucial—not only do they gauge the effectiveness of their work and address needed changes, but they also reassure to their donors that their work is making a difference.
This year, Junior Achievement is celebrating 100 years, but with these recent survey results it is evident that their work is far from finished.
The survey also revealed that females expected to make less than $35,000 within their first full-time job after high school. Other results concluded that an average of the students had obtaining a full-time job as their top financial goal, along with paying for college, living on their own and paying taxes.
“These results aren’t what we are hoping, but it shows us how important it is to keep working and to make sure we are providing skills and knowledge when providing financial literacy,” said Tracy Cinealis, Vice President of Program Partnerships.
According to Cinealis, previous surveys stated students who have been involved in Junior Achievement programs are 90 percent more confident in managing their own finances.
Moving forward, Junior Achievement also wants to keep instilling in their students the ability to dream big and not limit their opportunities. They also look forward to expanding the conversation on budgeting with their students and encourage dialogue with their parents on managing their finances.
“More than anything we want students to know that anything is possible,” said Cinealis. “We want them to dream big and we want them to feel confident that whether they go to a four-year college, or a two-year technical school or go straight into the work force that they have unique and meaningful opportunities.”
Along with educating students in financial literacy, Junior Achievement wants to prepare their students for bright futures. By looking toward even more partnerships with other organizations within the Milwaukee area, they hope to dismantle the idea that their students will be financially dependent for so long.
“I think our partnerships with other Milwaukee area organizations are going to be key if we want to try to help our employers make sure they get the best employees,” said Cinealis on prepping their students for future full-time jobs. “We want to make sure our Wisconsin residents have great Wisconsin jobs.”
To learn more about Junior Achievement, visit wisconsin.ja.org.
This article originally appeared in the Milwaukee Courier.
Advice
BOOK REVIEW: Let Me Be Real With You
At first look, this book might seem like just any other self-help offering. It’s inspirational for casual reader and business reader, both, just like most books in this genre. Dig a little deeper, though, and you’ll spot what makes “Let Me Be Real With You” stand out.
By Terri Schlichenmeyer
Author: Arshay Cooper, Copyright: c.2025, Publisher: HarperOne, SRP: $26.00, Page Count: 40 Pages
The hole you’re in is a deep one.
You can see the clouds above, and they look like a storm; you sense the wind, and it’s cold. It’s dark down there, and lonesome, too. You feel like you were born there — but how do you get out of the deep hole you’re in? You read the new book “Let Me Be Real With You” by Arshay Cooper. You find a hand-up and bring someone with you.
In the months after his first book was published, Cooper received a lot of requests to speak to youth about his life growing up on the West Side of Chicago, his struggles, and his many accomplishments. He was poor, bullied, and belittled, but he knew that if he could escape those things, he would succeed. He focused on doing what was best, and right. He looked for mentors and strove to understand when opportunities presented themselves.
Still, his early life left him with trauma. Here, he shows how it’s overcome-able.
We must always have hope, Cooper says, but hope is “merely the catalyst for action. The hope we receive must transform into the hope we give.”
Learn to tell your own story, as honestly as you know it. Be open to suggestions, and don’t dismiss them without great thought. Know that masculinity doesn’t equal stoicism; we are hard-wired to need other people, and sharing “pain and relatability can dissipate shame and foster empathy in powerful ways.”
Remember that trauma is intergenerational, and it can be passed down from parent to child. Let your mentors see your potential. Get therapy, if you need it; there’s no shame in it, and it will help, if you learn to trust it. Enjoy the outdoors when you can. Learn self-control. Give back to your community. Respect your financial wellness. Embrace your intelligence. Pick your friends and relationships wisely. “Do it afraid.”
And finally, remember that “You were born to soar to great heights and rule the sky.”
You just needed someone to tell you that.
At first look, this book might seem like just any other self-help offering. It’s inspirational for casual reader and business reader, both, just like most books in this genre. Dig a little deeper, though, and you’ll spot what makes “Let Me Be Real With You” stand out.
With a willingness to discuss the struggles he tackled in the past, Cooper writes with a solidly honest voice that’s exceptionally believable, and not one bit dramatic. You won’t find unnecessarily embellished stories or tall tales here, either; Cooper instead uses his real experiences to help readers understand that there are few things that are truly insurmountable. He then explains how one’s past can shape one’s future, and how today’s actions can change the future of the world.
“Let Me Be Real With You” is full of motivation, and instruction that’s do-able for adults and teens. If you need that, or if you’ve vowed to do better this coming year, it might help make you whole.
Alameda County
Bling It On: Holiday Lights Brighten Dark Nights All Around the Bay
On the block where I grew up in the 1960s, it was an unwritten agreement among the owners of those row homes to put up holiday lights: around the front window and door, along the porch banister, etc. Some put the Christmas tree in the window, and you could see it through the open slats of the blinds.
By Wanda Ravernell
I have always liked Christmas lights.
From my desk at my front window, I feel a quiet joy when the lights on the house across the street come on just as night falls.
On the block where I grew up in the 1960s, it was an unwritten agreement among the owners of those row homes to put up holiday lights: around the front window and door, along the porch banister, etc. Some put the Christmas tree in the window, and you could see it through the open slats of the blinds.
My father, the renegade of the block, made no effort with lights, so my mother hung a wreath with two bells in the window. Just enough to let you know someone was at home.
Two doors down was a different story. Mr. King, the overachiever of the block, went all out for Christmas: The tree in the window, the lights along the roof and a Santa on his sleigh on the porch roof.
There are a few ‘Mr. Kings’ in my neighborhood.
In particular is the gentleman down the street. For Halloween, they erected a 10-foot skeleton in the yard, placed ‘shrunken heads’ on fence poles, pumpkins on steps and swooping bat wings from the porch roof. They have not held back for Christmas.
The skeleton stayed up this year, this time swathed in lights, as is every other inch of the house front. It is a light show that rivals the one in the old Wanamaker’s department store in Philadelphia.
I would hate to see their light bill…
As the shortest day of the year approaches, make Mr. King’s spirit happy and get out and see the lights in your own neighborhood, shopping plazas and merchant areas.
Here are some places recommended by 510 Families and Johnny FunCheap.
Oakland
Oakland’s Temple Hill Holiday Lights and Gardens is the place to go for a drive-by or a leisurely stroll for a religious holiday experience. Wear a jacket, because it’s chilly outside the Church of Jesus Christ of Latter-day Saints, at 4220 Lincoln Ave., particularly after dark. The gardens are open all day from 9 a.m. to 9 p.m. with the lights on from dusk until closing.
Alameda
Just across the High Street Bridge from Oakland, you’ll find Christmas Tree Lane in Alameda.
On Thompson Avenue between High Street and Fernside drive, displays range from classic trees and blow-ups to a comedic response to the film “The Nightmare Before Christmas.” Lights turn on at dusk and can be seen through the first week in January.
Berkeley
The Fourth Street business district from University Avenue to Virginia Street in Berkeley comes alive with lights beginning at 5 p.m. through Jan. 1, 2026.
There’s also a display at one house at 928 Arlington St., and, for children, the Tilden Park Carousel Winter Wonderland runs through Jan. 4, 2026. Closed Christmas Day. For more information and tickets, call (510) 559-1004.
Richmond
The Sundar Shadi Holiday Display, featuring a recreation of the town of Bethlehem with life-size figures, is open through Dec. 26 at 7501 Moeser Lane in El Cerrito.
Marin County
In Marin, the go-to spot for ‘oohs and ahhs’ is the Holiday Light Spectacular from 4-9 p.m. through Jan. 4, 2026, at Marin Center Fairgrounds at 10 Ave of the Flags in San Rafael through Jan. 4. Displays dazzle, with lighted walkways and activities almost daily. For more info, go to: www.marincounty.gov/departments/cultural-services/department-sponsored-events/holiday-light-spectacular
The arches at Marin County Civic Center at 3501 Civic Center Dr. will also be illuminated nightly.
San Francisco
Look for light installations in Golden Gate Park, chocolate and cheer at Ghirardelli Square, and downtown, the ice rink in Union Square and the holiday tree in Civic Center Plaza are enchanting spots day and night. For neighborhoods, you can’t beat the streets in Noe Valley, Pacific Heights, and Bernal Heights. For glee and over-the-top glitz there’s the Castro, particularly at 68 Castro Street.
Livermore
The winner of the 2024 Great Light Flight award, Deacon Dave has set up his display with a group of creative volunteers at 352 Hillcrest Avenue since 1982. See it through Jan. 1, 2026. For more info, go to https://www.casadelpomba.com
Fremont
Crippsmas Place is a community of over 90 decorated homes with candy canes passed out nightly through Dec. 31. A tradition since 1967, the event features visits by Mr. and Mrs. Claus on Dec. 18 and Dec. 23 and entertainment by the Tri-M Honor Society at 6 p.m. on Dec. 22. Chrippsmas Place is located on: Cripps Place, Asquith Place, Nicolet Court, Wellington Place, Perkins Street, and the stretch of Nicolet Avenue between Gibraltar Drive and Perkins Street.
Advice
Support Your Child’s Mental Health: Medi-Cal Covers Therapy, Medication, and More
Advertorial
When children struggle emotionally, it can affect every part of their lives — at home, in school, with friends, and even their physical health. In many Black families, we’re taught to be strong and push through. But our kids don’t have to struggle alone. Medi-Cal provides mental health care for children and youth, with no referral or diagnosis required.
Through California Advancing and Innovating Medi-Cal (CalAIM), the state is transforming how care is delivered. Services are now easier to access and better connected across mental health, physical health, and family support systems. CalAIM brings care into schools, homes, and communities, removing barriers and helping children get support early, before challenges escalate.
Help is Available, and it’s Covered
Under Medi-Cal, every child and teen under age 19 has the right to mental health care. This includes screenings, therapy, medication support, crisis stabilization, and help coordinating services. Parents, caregivers, and children age 12 or older can request a screening at any time, with no diagnosis or referral required.
Medi-Cal’s Mental Health and Substance Use Disorder Program
For children and youth with more serious mental health needs, including those in foster care or involved in the justice system, Medi-Cal offers expanded support, including:
- Family-centered and community-based therapy to address trauma, behavior challenges, or system involvement.
- Wraparound care teams that help keep children safely at home or with relatives.
- Activity funds that support healing through sports, art, music, and therapeutic camps.
- Initial joint behavioral health visits, where a mental health provider and child welfare worker meet with the family early in a case.
- Child welfare liaisons in Medi-Cal health plans who help caregivers and social workers get services for children faster
Keeping Kids Safe from Opioids and Harmful Drugs
DHCS is also working to keep young people safe as California faces rising risks from opioids and counterfeit pills. Programs like Elevate Youth California and Friday Night Live give teens mentorship, leadership opportunities, and positive outlets that strengthen mental well-being.
Through the California Youth Opioid Response, families can learn how to avoid dangerous substances and get treatment when needed. Song for Charlie provides parents and teens with facts and tools to talk honestly about mental health and counterfeit pills.
DHCS also supports groups like Young People in Recovery, which helps youth build skills for long-term healing, and the Youth Peer Mentor Program, which trains teens with lived experience to support others. These efforts are part of California’s strategy to protect young people, prevent overdoses, and help them make healthier choices.
Support for Parents and Caregivers
Children thrive when their caregivers are supported. Through CalAIM’s vision of whole-person care, Medi-Cal now covers dyadic services, visits where a child and caregiver meet together with a provider to strengthen bonding, manage stress, and address behavior challenges.
These visits may include screening the caregiver for depression or anxiety and connecting them to food, housing, or other health-related social needs, aligning with CalAIM’s Community Supports framework. Notably, only the child must be enrolled in Medi-Cal to receive dyadic care.
Family therapy is also covered and can take place in clinics, schools, homes, or via telehealth, reflecting CalAIM’s commitment to flexible, community-based care delivery.
Additionally, BrightLife Kids offers free tools, resources, and virtual coaching for caregivers and children ages 0–12. Families can sign up online or through the BrightLife Kids app. No insurance, diagnosis, or referral is required.
For teens and young adults ages 13–25, California offers Soluna, a free mental health app where young people can chat with coaches, learn coping skills, journal, or join supportive community circles. Soluna is free, confidential, available in app stores, and does not require insurance.
CalHOPE also provides free emotional support to all Californians through a 24/7 support line at (833) 317-HOPE (4673), online chat, and culturally responsive resources.
Support at School — Where Kids Already Are
Schools are often the first place where emotional stress is noticed. Through the Children and Youth Behavioral Health Initiative (CYBHI), public schools, community colleges, and universities can offer therapy, counseling, crisis support, and referrals at no cost to families.
Services are available during school breaks and delivered on campus, by phone or video, or at community sites. There are no copayments, deductibles, or bills.
Medi-Cal Still Covers Everyday Care
Medi-Cal continues to cover everyday mental health care, including therapy for stress, anxiety, depression, or trauma; medication support; crisis stabilization; hospital care when needed; and referrals to community programs through county mental health plans and Medi-Cal health plans.
How to Get Help
- Talk to your child’s teacher, school counselor, or doctor.
- In Alameda County call 510-272-3663 or the toll-free number 1-800-698-1118 and in San Francisco call 855-355-5757 to contact your county mental health plan to request an assessment or services.
- If your child is not enrolled in Medi-Cal, you can apply at com or my.medi-cal.ca.gov.
- In a mental health emergency, call or text 988, the Suicide and Crisis Lifeline.
Every child deserves to grow up healthy and supported. Medi-Cal is working to transform care so it’s accessible, equitable, and responsive to the needs of every family.
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