As the year comes to an end, one event aims to help high schoolers in Arizona learn how to better manage their money. The "Bite of Reality" fairs across the West engage high schoolers by assigning them a persona and students then having to create a budget accordingly.

Sarae Bay, assistant vice president and manager director with the GoWest Foundation, said her organization works with credit unions in Arizona and help sponsor the fairs. She said the exercise is an opportunity for young people to "experiment and make mistakes with finances in a realistic but safe environment."

"They complete a 90 minute budgeting exercise, and it really helps give students a realistic look at money management by updating their budgets in real time to see the true impact of their everyday as well as planned purchases and expenses," she said.

Bay added participants' fictional persona will include an occupation, salary, credit score, possible spouse and child and debt among various other considerations. They then visit "merchants" to purchase items such as housing, groceries, transportation and child care. When they find themselves in a bind, local credit unions are then able to offer guidance.

More than 90 "Bite of Reality" fairs have reached 9,000 students across the West, including Arizona. Bay added that students have left the real-life simulation feeling more prepared to make better financial decisions, and says adds that while all young people's situations are different, no one can go wrong with learning how to better manage their money.

"So the more practice they have in a safe environment, where they aren't going to have a catastrophic mistake that is detrimental to their credit which would impact their ability to find an apartment to live in, or get a small-business loan or a graduate-school loan down the line, it is really, really critical," she continued.

Bay said having been a financial educator and counselor for many years, she knows many people "cringe" at the thought of making a budget and says a simulation exercise like "Bite of Reality" has made doing so less of a burden and more interactive, hopefully leaving participants with important lifelong skills.


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Changes to Indiana's child labor laws went into effect Jan. 1 which could affect teens who have or are looking for jobs.

Employers are now no longer required to schedule around a teen's school hours or adhere to daily and weekly hour limits. For example, 16- and 17-year-olds no longer need parental permission to work longer or later, and an adult no longer has to be present at public establishments when juveniles work past 10 p.m.

Germaine Willett, an employment law attorney at the firm Ice Miller in Indianapolis, sees the changes as less administrative burden for employers who hire teens.

"What could be small violations, just a few minutes over a shift, for example, to not have employers be so constrained as they were to get workers ages 16 and 17 out the door exactly at the prior hour's limits," Willett outlined.

Willett noted now, a student has to self-advocate if a time conflict arises between an employer's work schedule request and their school hours. Supporters of the changes said longer hours on the job mean more money, and work better prepares them for the real world. Critics argued tighter work restrictions allow teens to focus more on their education and activities with their peers.

The modifications were made to more closely align Indiana law with federal requirements. Willett emphasized some of the biggest revisions extend exemptions to certain 14- and 15-year-olds.

"Those who have been excused from, or perhaps prohibited from, attending school under certain circumstances -- perhaps quit school after finishing 8th grade, or quit school to support their child -- those individuals would not be subjected to the same limitations, and instead be treated as if they're 16 or older," Willett explained.

Willett added it did not make sense for teens with such obligations to have the same work limits others had to follow under the old law. The Indiana Department of Labor said 14- and 15-year-olds may work until 9 p.m. on any day of the week between June 1 and Labor Day, with some exceptions.


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California has more than 60,000 children in the foster care system and about 7,000 in extended care up to age 21 but many do not receive all the services for which they are eligible.

This month marks the 25th anniversary of the Chafee Foster Care Program, passed by Congress to greatly expand services for foster youth.

Todd Lloyd, senior policy associate for the Annie E. Casey Foundation, said across the U.S., around a half-million people are eligible for Chafee services to help them transition from foster care.

"Of all those eligible young people, less than a quarter are receiving a service in a given year," Lloyd pointed out. "When we looked at their experiences over time, less than half have ever experienced even a single Chafee service."

Some of the services available include tutoring, mentoring and a variety of counseling supports. Extended foster care grants low-income young adults to health insurance via Medi-Cal and food benefits through CalFresh. Young adults in extended foster care may also receive financial assistance for room and board and for college expenses.

Hope Cooper, campaign manager for the advocacy group Journey to Success, a national policy reform effort focused on youth and young adults who experience foster care. She said it's a group that has enormous potential to have happy, prosperous lives.

"We have to provide the supports that they need during these critical transition years," Cooper contended. "Because they face a steep climb in their pathway to young adulthood."

Data show young adults exiting foster care run a greater risk of experiencing housing instability and homelessness, unemployment, physical and mental health issues, and more.

By Melea VanOstrand for WISH-TV.
Broadcast version by Joe Ulery for Indiana News Service reporting for the WISH-TV-Free Press Indiana-Public News Service Collaboration

Inner Beauty Program Inc. and New Breed of Youth Inc. mentoring programs are preparing to host their 2024 Fight For Joy Christmas Extravaganza weekend celebration.

The event will kick off Friday with a free “guns down, gloves up” youth boxing showcase with a dinner provided.

Kareem Hines is founder and chief executive officer of New Breed of Youth’s mentoring program, also known as New B.O.Y. “We’re just using the sport of boxing to help develop character, to help develop self-confidence in these young men, to help develop maturity and their social and emotional awareness, but more importantly to have a conversation with them about what guns are doing to our communities.”

On Saturday, the annual Inner Beauty and New B.O.Y. holiday awards ceremony will highlight and affirm community leaders and young people in the organizations’ mentorship programs.

“We highlight our youth that have been doing amazing things such as our young entrepreneurs, our martial arts class. Inner Beauty has a dance and art program, so these programs are put on full display, and it gives us the opportunity to include these young people’s families.”

One-hundred fifty families with children ages 6 to 17 will participate in a toy giveaway. “Youth will be able to come in and go through four lanes, grab toys from each lane, and just revel in the Christmas spirit. It’s free. We’ll have a Santa so they can take pictures with Santa. We’ll have some really nice toys. The community and different organizations have really stepped up to the plate and provided us with funding so we can have a lot of toys for these young people.

A big ticket lane will be available for children who have a report card with all A’s and B’s. “We’re talking PlayStations, Xboxes, electric bikes, motorcycles, Beats headphones and all those things that kids like in today’s culture.”

It’s the first year that the mentoring organizations have done the toy drive. Hines says it’s important to give back this year because families in the city have experienced a lot of trauma. “We want to be that bright spot. 2024 was a tough year. Some families are not looking forward to the holiday season because of their financial situation. Some families did not have a happy Thanksgiving. We want to make sure we provide a platform and opportunity for them to usher into 2025 with a bright outlook.”

Registration for the toy drive has closed, but Hines says he aims to make it inclusive for anyone who reaches out to New B.O.Y organization.


Melea VanOstrand wrote this article for WISH-TV.


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