Seniors across the United Independent School District are getting a head start on real-world money management, thanks to a new partnership between UISD’s Department of Guidance and Counseling and Falcon Bank.
The Financial Literacy Program officially launched at LB Johnson High School recently, where students took part in a two-day interactive session led by Falcon Bank’s corporate trainers Gabriela Ramirez and Alyssa Osorio. The program, designed to prepare students for financial independence, is the first of many planned presentations that will reach all four high schools in the district by the end of the school year.
“This is a great effort to empower students with real-world financial knowledge,” said Melissa Ramirez, Director of Guidance and Counseling for UISD. “The purpose of these programs is to equip students with essential knowledge and skills to manage their personal finances, including budgeting, saving, building good credit, and investing. It’s about fostering responsible financial behavior and long-term stability.”
The sessions are part of a curriculum titled Money Smart, available through the FDIC (Federal Deposit Insurance Corporation) and tailored to help students explore career paths, understand salary expectations, and learn about important benefits like health insurance and retirement plans. Students also learn practical strategies such as how to save and invest wisely.
“We’re excited to be joining UISD to help teach financial literacy in the high schools,” said Jesus Ramirez, First Vice President of Falcon Bank. “We want to prepare students to face any challenge or obstacle in the real world. One key rule we share is that for every $100 you earn, save $20. That simple habit can make a big difference.”
Trainer Gabriela Ramirez, a finance major at Texas A&M International University (TAMIU) and a former UISD student herself, brought a unique perspective to the classroom.
“I went to Alexander High School, and I’m close to their age,” she said. “I started this program with the idea that young people might be more open to learning from someone like them. At first they’re a little skeptical, but once we start talking about financial opportunities, they really open up and get involved.”
Gabriela says students are especially curious about how to open bank accounts, build credit, and plan for retirement—even at a young age. “I ask them, ‘What’s your long-term goal? What’s your short-term goal?’ These are questions that get them thinking.”
Her co-trainer, Alyssa Osorio, who recently earned her bachelor’s degree from TAMIU and is now pursuing a master’s in international banking and finance, agrees.
“Seeing the students engaged and asking questions has been so rewarding,” Osorio said. “We’re opening their eyes to what the real world is like, and they’re realizing that they have the power to shape their financial futures.”
The Falcon Bank team also delivered the message to United South High School students in March and will round out the financial tour at United and Alexander.
“This is just the beginning,” said Osorio. “We’re bringing new ideas, fresh energy, and a message that will hopefully stay with students long after graduation. We’re thankful to be part of this.”
The program has been met with enthusiasm and support from students and staff alike, and UISD officials are confident it will leave a lasting impact. As Melissa Ramirez put it, “This isn’t just about finances—it’s about giving our students the tools they need to succeed in life.”
(L-R) Alyssa Osorio, Corporate Trainer; Gabriela Ramirez, Corporate Trainer; Jesus Ramirez, Falcon Bank FVP; Melissa Ramirez, UISD Director of Counseling; Melissa Salinas, Johnson Lead Counselor; Armando Salazar, Johnson HS Principal
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