Operation Cents

Empowering Students with Real‑World Money Skills

Make It Make Cents Inc. brings licensed financial advisors directly into classrooms to deliver engaging, age‑appropriate financial literacy education for K–12 students. Our Operation Cents program helps young learners build confidence, responsibility, and lifelong financial readiness.

Why Financial Literacy Matters

Financial literacy is essential for student success — academically, personally, and professionally.

Only 34% of Americans demonstrate basic financial literacy
57% of families cannot cover a $1,000 emergency
Students with financial literacy education are 3× more likely to save consistently
Early financial education improves decision‑making, reduces debt, and strengthens long‑term stability

We believe every student deserves access to financial knowledge that supports their future.

Our K–12 Curriculum

We offer a complete, developmentally aligned curriculum tailored to each grade band:

Elementary School (K–5)

Understanding money
Needs vs. wants
Saving basics
Interactive games & storytelling

Middle School (6–8)

Budgeting
Banking & digital money
Intro to credit
Real‑life scenario challenges

High School (9–12)

Credit scores & loans
Investing fundamentals
Entrepreneurship
Taxes, insurance, and financial planning

All lessons align with state standards and 21st‑century skills.

Interactive Learning Through Games

We make financial literacy fun, memorable, and culturally relevant.

Budgeting simulations
Credit‑building challenges
Real‑world role‑play
Financial literacy board games
Digital money management activities

Featured Game: Crates & Capital

A music‑infused financial literacy experience where students “dig through crates” to uncover money concepts. This high‑energy game blends culture, creativity, and financial education — making learning unforgettable.

Program Benefits

Builds financial confidence
Strengthens academic achievement
Supports college & career readiness
Reduces long‑term socioeconomic disparities
Enhances community stability
Provides licensed financial expertise directly to students

Our Trusted Partners

We Don’t Work Alone. You Make This Possible.

Every donation, every volunteer hour, every share — it adds up to real change.

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Investment advisor representative of Cetera Investment Advisers LLC. Securities offered through Cetera Wealth Services, LLC. member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 3235 Satellite Boulevard Building 400, Suite 300. Duluth, GA 30096. 470.870.1200

All investing involves risk, including possible loss of principle. There is no assurance that any investment strategy will be successful. Rebalancing my be a taxable event. Before you take any specific action be sure to consult with your tax professional. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services LLC nor any of its representatives may give legal or tax advice

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