Helena Seventh Graders Learn Money Smarts Through Interactive Financial Literacy Program

Volunteer instructors from Opportunity Bank visited Helena Middle School and C.R. Anderson Middle School in February for two Helena-area financial literacy courses, providing them with hands-on experience. Instead of just talking numbers, students were encouraged to think about their own financial goals, whether that’s saving for the latest gadget, an adventure with friends, or even a long-term dream like a car or college.

“We wanted to meet students where they’re at,” said Bethany Coe, Lewis and Clark County Prevention Specialist. “When they see how budgeting and planning can turn a wish into reality, they get excited about making smart financial choices.”

Students explored topics like setting a budget, making a spending plan, and figuring out how to prepare for unexpected expenses without giving up their fun goals. By framing financial literacy as a way to make their dreams happen, instructors helped students see money management as a tool for success rather than just another school subject.

More than just financial skills, this program promotes healthy decision-making. Learning to manage money wisely helps students avoid financial stress, make responsible choices, and build habits that support long-term well-being. By planning ahead and setting realistic goals, they’re developing skills that will impact not only their wallets but also their overall health and future stability.

This initiative is the second step in Southwest Montana Prevention and Growing Up Helena’s Cradle to Career partnership with the Helena School District. It builds on last year’s sixth-grade career exploration program, which will continue annually alongside this seventh-grade financial literacy experience.

“Opportunity Bank played a key role in making this program possible, ensuring students gain real-world skills that will help them make confident, informed decisions—both now and in the future,” said Coe.