You Are Invited to Participate in the Financial Gardening Project for High School Graduates

What Is The Financial Gardening Project?

The Financial Gardening Project is a unique opportunity for young adults to learn about saving and investing money for the future, starting with a gift of cash to kickstart your retirement savings.

How It Works

1. Initial Gift: You receive from me, $100 in cash and a card  that has my phone # and a link to this website explaining my project.

2. Setting Up a Retirement Account: If you choose to participate, I will work with you to set up a Roth IRA retirement account in your name with the $100 you first received. Then I will add another $100, bringing your total to $200.

3. Investing Together: I will show you the process. We will start slow and go at your pace. 

How You Can Earn More

• Birthday Gifts: You receive an additional $100 each year.  

• Good Grades: If you take college or trade school classes, I pay for good grades: $1,000 for every A and $500 for every B.

Ongoing Support

• Regular Contributions: You are responsible for contacting me on your birthday and after grading periods.

• Ongoing Investment: Whenever you receive more funds, we will invest them appropriately.

• End Date: This program is designed to give you a head start in planning for your financial future. I stop when you turn 26, with the hope that you will continue independently after that.

Why Participate in This Project?

• Learn Financial Skills: Gain valuable knowledge about managing and investing money.

• Reward Academic Success: Get financial rewards for doing well in your studies.

More Important Details

• Endowment Fund: This project is funded with an endowment and the earnings provide the money given to Gardeners.

• The number of participants depends on how well the endowment performs each year. 

• Annual Limit: Each gardener (participant) can receive up to $2,100 per year. 

• Eligibility: To participate, you must have finished high school and at least 18 years old. Participation ends on your 26th birthday.

• Grade Requirements: Only substantial courses with tests at the end qualify for grade-based gifts.

Flexibility

• The project may change or end at any time based on Earl Kelly’s discretion.

For page 2, select "The Process" at top right of screen to see how difficult it isn't.

Nurturing green thumbs.

Your feedback, good as well as bad, is invited.  

With gratitude, I thank you.

Earl Kelly

earl.kelly@econtrol.cc

804-829-0077