Financial habits that last a lifetime start now

Young Colombians face unique financial pressures. Our youth programs address those realities directly, with content designed for students, first-time workers, and young adults navigating early financial independence.

// why start early

The earlier, the more room to grow

Research in behavioral economics suggests that financial habits formed in early adulthood tend to persist. The challenge is that formal financial education rarely reaches young people from middle and lower-income families in Colombia at the right time.

Our youth programs meet young people where they are, using language and examples that reflect their actual lives. Not abstract theory about retirement funds or investment portfolios, but practical tools for managing a first salary, handling social spending pressure, and starting to save even in small amounts.

The goal is not to create financial experts. It is to build basic competence and confidence that allows young people to make more intentional decisions with whatever money they have.

Young adults in a savings education workshop

// program formats

How we work with young people

School and University Workshops

We bring workshops directly to educational institutions. Sessions are designed to fit within existing schedules and cover foundational concepts in an engaging, discussion-based format appropriate for the age group.

First Job Orientation

A focused program for young people receiving their first regular income. Covers budgeting a salary, avoiding common early financial mistakes, and setting up basic saving routines from the start.

Peer Learning Groups

Small group formats where young people learn alongside peers facing similar situations. Facilitated discussions, shared exercises, and mutual accountability create a supportive learning environment.

Online Youth Modules

Short, focused online modules designed specifically for the attention patterns and learning preferences of younger audiences. Accessible on mobile, completable in sessions of 15 to 20 minutes.

// what we cover

Topics in the youth curriculum

Understanding income and expenses

The basics of tracking what comes in and what goes out, using simple tools that work without a smartphone or internet access.

Social spending and peer pressure

How to navigate social expectations around spending without damaging relationships or financial goals. A topic rarely addressed in standard financial education.

Micro-saving techniques

Practical methods for saving even very small amounts consistently. The habit matters more than the amount at this stage.

Avoiding debt traps

An educational overview of how informal and formal credit works, common patterns that lead to problematic debt, and how to recognize warning signs early.

Young people in peer learning group discussion about finances

// for organizations

Bring our programs to your institution

Schools, universities, community organizations, and youth employment programs in Cali and the surrounding region can request our facilitators to deliver workshops on-site.

We adapt session length, content depth, and format to the specific context of each institution. A session for secondary school students looks different from one for university graduates entering the workforce.

Contact us to discuss scheduling, group size requirements, and how we can tailor the program to your institution's needs.

Institutional Inquiry

Nexus Consultores facilitator presenting at an institutional workshop