Why Cash & Finances?

Cash and Finances is here because too many kids aren’t being taught the basics of money—how to earn it, save it, or use it wisely. This program gives youth the tools, knowledge, and confidence to take control of their finances. Through hands-on, engaging lessons, we empower the next generation to make smart money decisions, overcome financial challenges, and build a strong, independent future. Upon completion, they will receive $200 towards opening a bank account.

They Will...

Building confidence, critical To give youth practical, hands-on financial skills they can use immediately, and leadership skills through interactive group activities

Introducing teens to key concepts like Money, Budget, Credit, and Savings in a fun and relatable waythe connection between discipline and financial responsibility

Develop critical thinking through engaging lessons and activities, enabling them to make smart financial decisions and plan for their future.

Breaking the cycle of financial ignorance and set the next generation up for independence

Reward participation and responsibility, helping teens open their first bank account with $200 upon course completion

It All Happens on a Busride They Will Also...

Embark on an exciting journey through the world of money, where every stop teaches a new financial skill

Meet Money: Discover the role of money and how to manage it wisely.

The Problem: Understand common financial challenges and how to overcome them.

Vision & Purpose: Create personal vision boards to map dreams and financial goals.

Budget & The Money Game: Learn hands-on budgeting, saving, and planning for the future.

Credit & Purchase Traps: Build good credit, avoid debt, and make smart spending choices.

Investing & Estate Planning: Learn how to grow wealth and plan for the future.

Pay It Forward & Giving Back: Discover generosity and using financial knowledge to help others.

and more...

Why Are We Targeting Youth?

"Because A Mind Is A Terrible Thing To Waist"

Today’s kids are growing up without the skills to manage money—earning, saving, and spending wisely feels foreign to them. It’s time to get them moving, thinking, and taking action—starting businesses, making smart financial choices, and changing the trajectory of their families and communities.

Endless social media scrolling

Playing video games

nonstop

Binge-watching shows all night

I Am Rubbie Groves-Clay

As the Broker of Clay Realty Group and author of Get A Hold Of Your Darn Finances, I’ve spent over 33 years helping people buy homes and manage property, while seeing firsthand how money struggles can quietly affect families. Many adults weren’t taught how to handle finances growing up, and I’m on a mission to make sure our youth don’t face the same challenges.

That’s why I created “Get A Hold Of Your Darn Finances”, a program that teaches teens and young adults the essential skills they need to thrive financially—money management, credit, budgeting, investing, estate planning, and more—all in a fun, hands-on way. And now, we’re turning up the energy by infusing hip hop with financial literacy, making learning about money exciting, relatable, and unforgettable.

Through Hip Hop & Finances, kids learn to set goals, create vision boards, and make smart financial moves—all while moving to the beat, expressing themselves, and building confidence. This isn’t just about money—it’s about hope, empowerment, and helping our next generation own their financial journey.

WHAT OUR CLIENTS SAY

I had the pleasure of having Rubbie teach Golf & Finances to the kids in my Teen Golf Program., I’ve seen students gain real financial knowledge, The lessons on budgeting and credit are truly life-changing!

Fred Kimbrough,

Director of College Hill Foundation

Having worked with Rubbie in real estate as a mortgage broker, I’ve seen her program empower clients to achieve financial freedom!

Deborah Williams,

Director Smart Solutions

Students praised it as fun, clear, and transformative. Her lessons in money management, budgeting, credit, and goal-setting give them confidence and practical tools for a strong financial future.

Tiffany Jones,

Director, Juvenile Detention Center