FTFPP
FinTalk Youth Financial Literacy Promotion Program
To cultivate the financial literacy and practical skills of youth through financial self-media and participation in financial business competitions.
About the Program
In 2025, Yangminxing initiated the FinTalk Youth Financial Literacy Promotion Program (FTFPP), which aims to cultivate and enhance the financial literacy and practical skills of youth through financial self-media and participating in financial business competitions.
Team Members: Yangminxing, Dylan, Lori, Yangminyan, Zelin, Ling, Pingcheng, Siddh
Run Financial Self-Media
Build financial self-media for promoting financial literacy of youth
Participate in competitions
Form teams to participate in financial business competitions, e.g. Wharton, Diamond Challenge, DECA, IBO, IFO
Competition Portal
Develop and operate a portal for youth to access business competition information conveniently
Financial Self-Media Videos
September 2025 · Cryptos Special Series 2: Scenario Analysis of Cryptos
加密货币专题系列2：加密货币应用场景分析
This episode delves into the application of cryptos in different scenarios, and analyzes their advantages and disadvantages as well as future development trends.
Next Topic: Focus on Ethereum
August 2025 · Cryptos Special Series 1: Deep Dive into Cryptos
加密货币专题系列1：加密货币深度了解
This episode introduces the concept of cryptos, its main types and characteristics, and analyzes digital asset treasury companies that are currently hoarding major cryptocurrencies.
Next Topic: Scenario Analysis of Cryptos
July 2025 · Analysis of the 2025 Q2 Financial Reports of Major US Technology Companies
2025 Q2 美国大科技公司财报解读
This episode introduces and analyzes the financial reports of five major US technology companies: Meta, Microsoft, Apple, Amazon, and Tesla.
The Portal
Access the Competition Portal
Sign in to unlock the Competition portal — browse competitions, track deadlines, save your favorites, and access curated learning resources.
Dashboard
Personalized recommendations, deadlines, and progress tracking.
Competitions
Browse 80+ business competitions filtered by grade and field.
Saved List
Track competitions you're interested in, applied to, or completed.
Learning Hub
Curated resources to help you prepare and win.
Interview Series with Financial Practitioners
English version on the left, Chinese version on the right
From Accountant to Entrepreneur: Louis Lau’s Entrepreneurial Journey and Business Insights
Columnist Young Reporters Yangminxing Wu, Yangminyan Wu
From a decade in accounting to launching the Asian snack brand Sun Dry during the pandemic, Louis Lau shares how market demand, adaptability, and risk awareness shape his entrepreneurial journey.
Read full interview从会计师到创业者：Louis Lau的创业之路与商业启示
专栏小记者 吴杨敏行, 吴杨敏言
从会计工作十余年到疫情期间踏上创业之路，Louis Lau如今经营着自己的零食品牌Sun Dry。他分享了从会计到创业的转变，以及关于市场需求、应变能力和风险的商业启示。
Read full interviewLearning to Manage Money Before Living Independently
An Interview with Marley Gang, Program Coordinator at JA San Diego
High school students study mathematics, English, and science every day, but do they know how to manage their spending and savings when they receive their first paycheck? Marley Gang, program coordinator at Junior Achievement of San Diego, shares her journey and insights on financial literacy education for youth.
Read full interview在独立之前学会管理金钱：专访JA San Diego项目协调员Marley Gang
专栏小记者 吴杨敏行, 吴杨敏言
圣地亚哥青少年成就组织（JA）项目协调员Marley Gang分享了她从小学教师转向非营利组织教育工作的经历，也谈到了年轻人在学习理财、探索创业和建立人际联系时遇到的困难。
Read full interviewFrom Volleyball Coach to Wealth Advisor: An Interview with Certified Financial Planner Ben Weinberg
An Interview with Ben Weinberg, Associate Wealth Advisor at Corient
When Ben Weinberg was about twelve or thirteen, his father set him up with a simulated investment portfolio. With $100,000 in pretend money, he could choose investments and watch how they performed.
Read full interview从排球教练到财富顾问：专访注册理财规划师Ben Weinberg
专栏小记者 吴杨敏行 吴杨敏言
十二三岁时，Ben Weinberg的父亲为他开设了一个模拟投资账户。账户里有十万美元的虚拟资金，他可以自己选择投资对象，观察价格变化，尝试理解市场如何运作。
Read full interviewFinancial Literacy Starts with Everyday Choices
An Interview with Diana Ciampoli, Executive Assistant to the CEO of SOFA
Before teenagers begin studying investments, taxation or retirement planning, Diana believes they should learn to answer one practical question: Where does their money go? Diana Ciampoli of the Society for Financial Awareness discusses the financial knowledge young people need and how to make financial education more accessible.
Read full interview金融素养始于日常财务选择：专访SOFA CEO执行助理Diana Ciampoli
专栏小记者 吴杨敏行, 吴杨敏言
在青少年开始学习投资、税务或退休规划之前，Diana认为，他们应当学会回答一个看似简单的问题：自己的钱都花到哪里去了？
Read full interviewBringing Financial Literacy Education into Real Life: An Interview with Attorney Natasha Wong, Former Chair of HOC
An Interview with Natasha Wong, International Law Attorney and Former Chair of House of China
Natasha Wong remembers a woman who came to the Chinese Service Center carrying a bundle of cash held together with a rubber band, proud that she had never used a credit card.
Read full interview让财商教育真正走进生活：HOC前任主席Natasha Wong律师专访
专栏小记者 吴杨敏行, 吴杨敏言
Natasha Wong 至今记得，有一位来到华人服务中心的女士，口袋里装着一叠用橡皮筋扎好的现金。她很自豪地表示，自己从未使用过信用卡，买什么都付现金。
Read full interviewPerception and Action in Financial Planning: An Interview with CPA Annie
Columnist Young Reporters Yangminxing Wu, Yangminyan Wu
Annie’s financial background spans China and the United States. Years of financial work drew her attention to the people making the decisions: Why do some people understand what they should do but never begin?
Read full interview财务规划中的认知与行动：注册会计师Annie专访
专栏小记者 吴杨敏行, 吴杨敏言
Annie拥有在中国和美国学习及从事财务工作的经历。多年财务工作让她把注意力从具体的数字和工具，转向作出决定的人：为什么有些人已经知道应该做什么，却始终没有行动？
Read full interviewFinancial Research by Our Team
English version on the left, Chinese version on the right
A Study of Cognitive Biases in Personal Financial Decisions Based on Interviews with Financial Practitioners
Yangminxing Wu
Drawing on six informational interviews with entrepreneurs, financial educators, wealth advisors, and community service providers and synthesizing insights from literature on behavioral finance and financial education, this paper explores cognitive biases in personal financial decision-making. The paper begins by analyzing how current preferences, optimistic expectations, mental accounting, and overconfidence influence decisions regarding consumption, saving, and investment. It further points out that practical factors, including income, experience, language, and trust, also shape these choices, cautioning against attributing financial difficulties solely to cognitive biases. Building on the synthesized insights and the author's experience in leading the FinTalk Youth Financial Literacy Promotion Program (FTFPP), this paper proposes a pedagogical approach centered on concrete decision-making. Its two core elements are: (1) guiding students to make choices based on the goals, available funds, and time constraints of the individuals involved, while articulating the underlying rationale and assumptions; and (2) using supplementary information and feedback to enable students to re-examine their initial judgments, compare alternative options, and justify their decisions—whether they choose to adjust or maintain their original course of action. The paper also proposes a small-scale pilot and evaluation plan, serving as a starting point for subsequently testing this design. The paper emphasizes that youth financial education for youth should go beyond the mere explanation of concepts by incorporating opportunities for analyzing scenarios, articulating rationales, and reflecting on decision-making, thereby enabling students to better apply the concepts they have learned to real-life choices. **Keywords:** Cognitive biases; personal financial decisions; informational interview; youth financial education
Read full paper基于对金融从业者访谈的个人财务决策中认知偏差研究
吴杨敏行
本文以创业者、金融教育工作者、财富顾问及社区服务者的六篇访谈报道为基础，结合行为金融学与金融教育方面的文献，探讨个人财务决策中的认知偏差。文章首先分析了当下偏好、乐观预期、心理账户与过度自信如何影响消费、储蓄和投资判断，并指出，收入、经验、语言与信任等现实条件同样影响选择，不能将财务困难一概归因于认知偏差。在此基础上，作者结合运营FinTalk青少年金融素养推广项目（FTFPP）的实践，提出以具体决策为核心的教学思路，其要点是：（1）引导学生根据当事人的目标、可用资金和时间要求作出选择，并说明依据与假设；（2）通过补充信息和反馈，让学生检验原有判断，比较其他方案，并解释调整或维持决定的理由。文章进一步提出小规模试点与评估方案，作为后续检验这一设计的起点。文中着重强调青少年金融教育应在知识讲解的基础上，增加分析情境、说明理由和反思决策的机会，使所学概念能够更好地用于实际选择。 关键词：认知偏差；个人财务决策；访谈报道；青少年金融教育
Read full paperProgram Activities
9/4/2026
Congratulations that Yangminxing received the Highest Distinction Award of 2026 International Finance Olympiad.
8/31/2026
Congratulations that Yangminxing received the Gold Award of 2026 International Business Olympiad.
8/22/2026
The team participated in the 2026 International Finance Olympiad (IFO).
8/7/2026
Congratulations that Yangminxing received the certificate of Highest Distinction and promoted to 2026 IBO Regional Top 6 Scorer, United States.
7/25/2026
The team participated in the 2026 International Business Olympiad (IBO).
6/25/2026
The business competition portal officially launches today, which aims to provide convenient features for youth to participate in various business competitions.
2/10/2026
Yangminxing was invited as a 2026 Limitless World Summit Ambassador by Diamond Challenge due to achievements of the YMHArt program.
9/24/2025
The program team attended the CCA Club Fair and recruited team members for FinTalk Finance Club.
9/17/2025
The application of CCA FinTalk Finance Club was approved.
8/25/2025
The SIC team won four Best FinTalk awards: Best FinTalk Content Resonator, Best FinTalk Cross-Boundary Catalyst, Best FinTalk Discourse Engager and Best FinTalk Luminary Pioneer.
5/14/2025
Led by Yangminxing, their start-up business Wavelet promoted to compete at the Junior Achievement San Diego's Company of the Year Competition.
5/10/2025
Yangminxing led a team to participate in the 2025 Student Investment Challenge (SIC).
Empowering the next generation of financial leaders
13
self-media items
financial literacy content
6
international competitions participated in
SIC · Wharton · Diamond · DECA · IBO · IFO
87
competitions accumulated
55 resources in portal
70K+
total views
across FTFPP
9
countries reached
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