Most financial advice isn’t built for young people. It’s built for 40-year-olds who already have a 401(k) and a mortgage. By the time that advice reaches someone who’s 16 or 21, it’s either too late or too vague to actually use.
That’s why we created 9 Dimes Project.
We’re a financial education platform built specifically for young adults between 15 and 22 years old. Our goal is straightforward: help our audience build a net worth of $1,000,000 or more by age 40 — without needing a college degree to get there.
What We Teach
Everything we put out is organized around five core pillars:
Money Mindset — How you think about money determines what you do with it. We break down the mental frameworks that separate people who build wealth from people who stay broke.
Make Money — Earning more matters just as much as saving. We cover side businesses, career moves, and income strategies that actually work for young people — not recycled advice from people who’ve never started from zero.
Build Wealth — This is where compounding does the heavy lifting. We teach investing, budgeting with our 50/20/30 framework (50% needs, 20% wants, 30% savings and investments), and long-term wealth-building strategies backed by real numbers.
Skip the Degree — College isn’t the only path. We show how to build skills, earn certifications, and land careers that pay well without six figures of student debt.
Life & Money — Money doesn’t exist in a vacuum. We cover the real-life decisions — housing, transportation, relationships, lifestyle — that either accelerate or destroy your financial progress.
How We Deliver It
Our main platform is YouTube, where we publish data-driven, research-backed videos every week. No fluff, no clickbait promises — just real numbers and real strategies.
We also publish The Breakdown — weekly articles covering current economic news and personal finance topics written for young adults. Real news, real numbers, explained at a level that actually makes sense.
And we built a free suite of Wealth Builder Tools — interactive calculators and planners that help you put what we teach into action. Budget your income, project your compound growth, and see exactly what your money can become over 10, 20, or 30 years.
Why “9 Dimes”?
A dollar is 10 dimes. If you save 9 and spend 1, you’re already ahead of 90% of people your age. The name is a reminder: wealth isn’t about making millions overnight. It’s about keeping more of what you earn, investing it early, and letting time do the work.
Get Started
If you’re between 15 and 22 and serious about building real wealth, start with our free Wealth Builder Tools and subscribe to the YouTube channel. Everything we put out is free, and it’s all built for where you are right now — not where some financial advisor wishes you were.