About Us


Class of FLY 2015FiAT, or Financial Aptitude Training, is a 501(c)(3) non-profit committed to promoting financial literacy in the community. Through various sessions, we aim to serve all demographics, whether it's through our FLY program or our rotation of workshops.

What is Financial Literacy?

Personal financial literacy is more than just being able to balance a checkbook, compare prices or get a job. It also includes skills like long-term vision and planning for the future, and the discipline to use those skills every day.

Financial literacy is "the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being" (2008 Annual Report to the President).

In the US, we make great efforts to teach children to read and write, but we don't give their financial literacy the same attention. As a result, few young people know how to to manage their personal financial lives. An OECD study found that American students of 15-years-old scored below average in a financial literacy assessment compared to 17 other countries.

It All Started with an Idea

In July of 2014, FiAT (previously Pay It Forward Bay Area) hosted its first Financial Literacy Summer Camp program for youth. The program was supported by donations from parents, local business owners, the local clergy, and the primary benefactor was LFS Asset Management.

FiAT partnered with Junior Achievement to develop the one-week Financial Literacy Summer Camp, and the program was held at St. Matthew’s Ward Hall on El Camino Real in San Mateo.

It all started with an idea: to educate the youth of San Mateo about financial literacy. This idea turned into a vision, which led to a plan. The plan turned into a success by teaching more than 20 teenagers the importance of finance.

Students learn budgeting, taxes, capital market, cash management, and are taught how to apply their skills and interests to help them navigate toward a potential career or education path. The sessions are interactive with activities, games, group projects and work books.

Through financial literacy, FiAT is committed to restoring America’s financial independence - one student at a time.