According to the U.S. Department of Labor, there are 20 million youth ages 16 to 24 participating in the American workforce, many of them in municipal workforce and employment programs. While some of these local programs offer financial education workshops, many young workforce program participants are growing up in neighborhoods without ready access to safe, quality financial services, and instead have easy access to check cashiers and payday lenders. This means that many young people may be gaining valuable work experience, but having a hard time practicing the financial skills and building the knowledge necessary for longer-term financial capability. For the purposes of this brief, financial capability is defined as the capacity, based on knowledge, skills and access, to manage financial resources effectively.